Medicare Coverage Plans

Smart, affordable Medicare options designed to fit your life.

At Low-Cost Health Coverage, we believe that no one should have to choose between their health and their wallet, especially as they age. That’s why we make Medicare simple, clear, and most importantly, affordable.

Whether you're about to turn 65 or already enrolled and looking to save more, this page is your friendly, step-by-step guide to understanding Medicare, and finding the cheapest and most complete plan that fits your needs.

What is Medicare?

Medicare is a trusted national health insurance program created by the government to help cover medical costs for eligible Americans. It's mainly for people aged 65 and older, but also covers some younger individuals with disabilities, and anyone with End-Stage Renal Disease (ESRD) or ALS.

To make things simple, Medicare is organized into four key sections that cover different services:

How to enroll

About Medicare

Medicare Plans Made Simple

Explore the right Medicare option for your life with Low-Cost Health Coverage.

Medicare Advantage Plans (Part C)

All-in-one Medicare with extra benefits.

Medicare Advantage plans cover everything that Original Medicare (Part A and B) does, but they also include extras like dental, vision, hearing, and prescription drugs, all in one plan. Many have $0 monthly premiums, and they also limit how much you’ll pay out-of-pocket in a year.

It’s a great choice if you want one plan that covers almost everything and helps you save money.

Medicare advantage plans

Chronic Special Needs Plans (C-SNPs)

Special plans for people with long-term health conditions.

If you have a chronic condition like diabetes, heart problems, or COPD, a C-SNP may be a better fit for you. These plans include extra support, doctors who understand your condition, and drug coverage tailored to your needs.

This is a smart option if you live with a long-term illness and need specialized, affordable care.

Chronic special needs plans

Dual Special Needs Plans (D-SNPs)

Extra coverage for Medicare and Medicaid members.

D-SNPs are designed for individuals who qualify for both Medicare and Medicaid. These plans include medical, drug, dental, vision, and hearing coverage.

Most come with $0 monthly premiums and help managing your care, making them a great low-cost option.

Dual special needs plan

Medicare Supplement Plans (Medigap)

Help paying for what Medicare doesn’t cover.

Original Medicare doesn’t cover everything, you still have to pay things like copays and deductibles. Medigap plans help fill those gaps.

They let you see any doctor who takes Medicare, anywhere in the U.S., and help reduce unexpected costs. These plans don’t include drug coverage, so you’ll need to add a Part D plan.

Medicare supplement plans

Prescription Drug Plans (Part D)

Help paying for your medications.

Part D plans cover the cost of prescription drugs. It can be added to Original Medicare or used with Medigap for more complete coverage.

Many have low monthly premiums and low copays. Some people may qualify for Extra Help, which makes prescriptions even more affordable.

Prescription drug plans

Who is eligible?

You qualify for Medicare if:

• You’re 65 or older.

• You qualify if you're under 65 and have been on Social Security Disability Insurance (SSDI) for 24+ months.

• Eligibility also applies if you have ALS (Amyotrophic Lateral Sclerosis) or kidney failure, End-Stage Renal Disease (ESRD).

Medicare Part A – Hospital Insurance

Part A helps cover the big and often expensive parts of care when you’re in a hospital or similar setting. It includes:

Inpatient hospital stays (including semi-private rooms and meals).

Short-term rehab services in a nursing facility following your hospital discharge.

Hospice care for terminal illnesses.

Limited home health care (like nursing or therapy).

• No charge for those who paid Medicare taxes for 10+ years, or are married to someone who did.

• If not, the monthly premium in 2025 can be up to $505/month, depending on your work history.

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Medicare Part B – Medical Insurance

Part B is your everyday health coverage. It helps pay for services like:

Doctor and specialist visits.

Preventive care (vaccines, screenings, wellness visits).

Outpatient services (lab work, imaging, surgeries).

Mental health services.

Durable medical equipment (DME) like walkers, wheelchairs, oxygen supplies.

• Most people pay a monthly premium of $185 in 2025.

• Earning more money might mean paying a higher Medicare premium, which is called IRMAA (Income-Related Monthly Adjustment Amount).

• There is also an annual deductible and 20% coinsurance after that.

When Should You Enroll?

Timing matters. Here's when to act:

Initial Enrollment Period (IEP)

• Begins 3 months before your 65th birthday.

• Includes the month of your birthday.

• Ends 3 months after your birthday.

Enroll during this time to avoid late penalties and ensure smooth coverage.

General Enrollment Period

• Mark your calendar: it runs yearly from January 1 to March 31.

• Use this if you missed your IEP (late penalties may apply).

• Coverage starts the following month after enrollment.

Special Enrollment Period

• Available if you were covered under employer-sponsored insurance past 65.

• No penalties if you enroll within 8 months after leaving the job or losing coverage.

How to Enroll

Online: Visit www.ssa.gov/medicare
By Phone: Call Social Security at 1-800-772-1213
Need Help? Call us at 1-818-481-9342, we’ll walk you through everything, step-by-step, for free.