Frequently Asked Questions

Please reach us at insurance@hegartyagency.com if you cannot find an answer to your question.

What is Medicare?

Medicare is a federal health insurance program primarily for:

People 65 and older
People under 65 with certain disabilities
People with End-Stage Renal Disease (ESRD) or ALS

What are the Four Parts of Medicare?

1. Part A – Hospital Insurance (Free for most)

Covers:

Inpatient hospital care
Skilled nursing facility care
Hospice
Some home health care

👉 Most people don't pay a premium for Part A if they or a spouse worked and paid Medicare taxes for 10+ years.

2. Part B – Medical Insurance

Covers:

Doctor visits
Outpatient care
Preventive services (e.g., screenings, vaccines)
Durable medical equipment

👉 You pay a monthly premium for Part B (starts around $ 185/month in 2025 but can be higher based on income).

3. Part C – Medicare Advantage (Private Plans)

All-in-one alternative to Original Medicare (Part A + B)
Often includes Part D (prescription drugs), dental, vision, hearing
Offered by private insurance companies approved by Medicare

👉 You still pay your Part B premium, plus any additional premium the plan charges.

4. Part D – Prescription Drug Coverage

Helps pay for prescription medications
Offered through private plans or included in some Medicare Advantage plans

👉 Costs vary: monthly premium, deductible, co-pays
📌 Penalty applies if you delay enrollment and don’t have other drug coverage.

What are My Medicare Paths: 2 Main Choices?

Option 1: Original Medicare (Parts A & B)

Add Part D (optional but recommended)
Add a Medigap plan (optional for help with costs)

Option 2: Medicare Advantage (Part C)

One plan that may include drug coverage, dental, vision, etc.
Usually has lower upfront costs

When Can I Enroll?

✅ Initial Enrollment Period (IEP):

7-month window around your 65th birthday (3 months before, the month of, 3 months after)

🔁 Annual Enrollment Period (AEP):

Oct 15 – Dec 7 each year
Switch plans, join/drop Part D, or move between Medicare Advantage and Original Medicare

✴️ Medicare Advantage Open Enrollment:

Jan 1 – Mar 31: Switch MA plans or return to Original Medicare

EH Medicare Advisors

Medicare plans made Simple

Eric Hegarty Your Medicare Plan Agent

My Mission

Frequently Asked Questions

1. Part A – Hospital Insurance (Free for most)

2. Part B – Medical Insurance

3. Part C – Medicare Advantage (Private Plans)

4. Part D – Prescription Drug Coverage

Option 1: Original Medicare (Parts A & B)

Option 2: Medicare Advantage (Part C)

✅ Initial Enrollment Period (IEP):

🔁 Annual Enrollment Period (AEP):

✴️ Medicare Advantage Open Enrollment:

Contact Eric

How Can I Help?

Better yet, see me in person! I am Local and Mobile

Arizona Medicare Plan Options

Hours

Medicare plans made Simple

Eric Hegarty Your Medicare Plan Agent

My Mission

Frequently Asked Questions

1. Part A – Hospital Insurance (Free for most)

2. Part B – Medical Insurance

3. Part C – Medicare Advantage (Private Plans)

4. Part D – Prescription Drug Coverage

Option 1: Original Medicare (Parts A & B)

Option 2: Medicare Advantage (Part C)

✅ Initial Enrollment Period (IEP):

🔁 Annual Enrollment Period (AEP):

✴️ Medicare Advantage Open Enrollment:

Contact Eric

How Can I Help?

Better yet, see me in person! I am Local and Mobile

Arizona Medicare Plan Options

Hours

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