What is Medicare? Medicare 101: Simplifying Your Choices

*Understanding Medicare and Its Gaps*

Medicare is a federal health insurance program for those 65 and older, and for certain younger individuals with disabilities. However, Medicare doesn't cover everything. It has gaps like deductibles, coinsurance, copayments, and non-covered services such as dental and vision care.

*Filling the Gaps*

To cover these gaps, consider:

1. **Medicare Supplement Plans (Medigap)**: These help pay for out-of-pocket costs like deductibles and coinsurance.
2. **Medicare Advantage Plans (Part C)**: Offered by private companies, these plans bundle Medicare Parts A, B, and often Part D, and may offer additional benefits.

*Enrollment Periods to Know*

- **Initial Enrollment Period (IEP)**: A 7-month window around your 65th birthday.
- **Annual Enrollment Period (AEP)**: From October 15 to December 7 each year.
- **Special Enrollment Period (SEP)**: For life-changing events like moving or losing other coverage.

*Why This Matters*

Understanding Medicare’s gaps, penalties, and benefits ensures you avoid extra costs and get the best coverage. To navigate these complexities, contact EZ Access Insurance at 800-901-8849 or 833-600-0669.

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