MEDICARE DOESN’T HAVE TO BE CONFUSING.

Understanding your options is the first step toward making a confident decision.

Whether you’re approaching Medicare eligibility, already enrolled in Medicare, or helping someone you care about understand their options, Heritage Health Advisors is here to help make Medicare easier to understand. You can also review our health insurance guidance or contact Heritage Health Advisors with questions.

NEW TO MEDICARE?

We’ll help you understand where to begin.

ALREADY ON MEDICARE?

We’ll help you better understand the coverage options available to you.

HELPING SOMEONE YOU LOVE?

We’ll help make the information easier to understand so you can ask the right questions.

REAL ANSWERS. CLEAR OPTIONS. PERSONAL HELP.

Medicare decisions are personal. Your healthcare needs, prescriptions, doctors, budget, and priorities all matter.

At Heritage Health Advisors, our goal is to help you understand your options so you can make an informed decision with greater confidence.

Medicare guidance from Heritage Health Advisors for people new to Medicare, already enrolled, or helping someone they love

UNDERSTANDING THE PARTS OF MEDICARE

Medicare has different parts that help cover different types of healthcare services.

PART A — HOSPITAL INSURANCE

Helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.

PART B — MEDICAL INSURANCE

Helps cover services from doctors and other healthcare providers, outpatient care, home health care, durable medical equipment, and many preventive services.

PART C — MEDICARE ADVANTAGE

Medicare Advantage is another way to receive your Medicare Part A and Part B benefits through a Medicare-approved private insurance company.

Plans must cover the services Original Medicare covers, and many plans may include additional benefits. Most Medicare Advantage plans also include Part D prescription drug coverage.

PART D — PRESCRIPTION DRUG COVERAGE

Helps cover the cost of prescription drugs. Part D coverage is offered through Medicare-approved private insurance companies.

Medicare PartWhat It Generally Covers
Part AHospital and certain inpatient-related services.
Part BDoctors, outpatient care, durable medical equipment, and many preventive services.
Part CMedicare Advantage plans that provide Part A and Part B benefits through Medicare-approved private insurers.
Part DPrescription drug coverage through Medicare-approved private insurers.

ONE MEDICARE PROGRAM. DIFFERENT PIECES.

Understanding what A, B, C, and D do makes it much easier to understand your Medicare coverage choices.

Heritage Health Advisors can help you put the pieces together.

Medicare Parts A, B, C and D explained by Heritage Health Advisors
Original Medicare and Medicare Advantage comparison guide from Heritage Health Advisors
Medicare Supplement and Medigap coverage explained by Heritage Health Advisors
Medicare enrollment periods and coverage change timelines explained by Heritage Health Advisors

YOUR MEDICARE DECISION IS PERSONAL.

You don’t have to figure it out alone.

Medicare isn’t about simply choosing what worked for your neighbor, friend, or family member.

It’s about understanding what works for you — your doctors, prescriptions, healthcare needs, budget, lifestyle, and priorities.

At Heritage Health Advisors, we take the time to listen, explain your options in plain language, and help you make an informed Medicare decision with confidence.

PEOPLE • PURPOSE • PASSION

PEOPLE — We start by listening to you.
PURPOSE — We help make complicated choices easier to understand.
PASSION — We care about helping you protect your health and your future.

WHAT SHOULD YOU CONSIDER WHEN COMPARING MEDICARE OPTIONS?

  • Your doctors — whether the providers you want to use participate in the plan.
  • Your prescriptions — how your medications are covered and what they may cost.
  • Your healthcare needs — how often you expect to use medical services.
  • Your budget — premiums, copays, coinsurance, and other out-of-pocket costs.
  • Your priorities — what matters most to you when choosing coverage.

A SIMPLE MEDICARE REVIEW CHECKLIST

  1. Make a list of your doctors, specialists, and preferred hospitals.
  2. Write down your prescriptions and dosage information.
  3. Compare premiums, copays, coinsurance, deductibles, and out-of-pocket costs.
  4. Check whether your providers and pharmacies participate in the plan.
  5. Review the plan’s drug coverage and any restrictions that may apply.
  6. Ask questions before making a change so you understand how the coverage works.

MEDICARE QUESTIONS WE HEAR OFTEN

  • Do all Medicare plans work the same way? No. Costs, provider access, prescription coverage, and other plan details can differ.
  • Should I choose a plan based only on the premium? No. Your doctors, prescriptions, expected healthcare use, and total out-of-pocket costs matter too.
  • Can you help if I am already enrolled in Medicare? Yes. We can help you understand your current coverage and available options.
  • Can you help me prepare before I become eligible? Yes. We can help explain the parts of Medicare and what to consider as you approach eligibility.

READY TO TALK ABOUT YOUR MEDICARE OPTIONS?

Let’s have a conversation.

No pressure. No confusing insurance language. Just real people helping you understand your options. You can also review our health insurance guidance, explore dental and vision coverage or life insurance, or contact Heritage Health Advisors with questions.

Personal Medicare guidance and consultation scheduling with Heritage Health Advisors

Medicare plan availability, benefits, costs, and eligibility can vary. We can help you review the details that apply to your situation.