Medicare Insurance

We select the cheapest, most popular, most valuable, and most expensive plans from various insurance companies online!


Medicare (commonly known as "red and blue card") is the federal health insurance program for people who are 65 or older. Those under the age of 65 with disabilities, End Stage Renal Disease (kidney failure), or Amyotrophic Lateral Sclerosis are also eligible to participate. You can sign up for Medicare 3 months before you turn 65 and your status is U.S. citizen or Permanent Resident.

Original Medicare insurance includes Part A and Part B.

Part A covers inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care. If you or your spouse paid Medicare taxes and accumulated at least 40 work quarters / credits (10 years), you can sign up Part A coverage for free at age 65. If you have not accumulated 40 work credits by the time you turn 65, you will be charged Part A premiums.

Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. Part B is required to pay premiums regardless of whether 40 work credits have been accumulated. The premium varies depending on your income.

You can apply Original Medicare from the Social Security Administration office by appointment at an office or online.

Social Security Office Locator Original Medicare Online Application

Original Medicare Parts A and Part B only cover 80% of medical expenses. In order to obtain more comprehensive coverage, you have the following two options:

Medicare Supplement and Prescription Drug Plans

Medicare Supplement can pay some of the medical costs that Original Medicare doesn't cover. Some plans provide additional benefits such as eyeglasses. A monthly premium is required, and the premium varies depending on where you live.

Prescription Drug Plan (Part D): It is an insurance plan offered by an insurance company to share the cost of prescription drugs. Different insurance plans from different insurance companies have different tiers of drug and deductibles. A monthly premium is required, and the premium varies by plan.

Option 1

Medicare Advantage Plans (Part C) - HMO

Part C: Medicare Advantage Plans Medicare Advantage Plans are HMO or PPO plans offered by insurance companies. Most of the plans cover prescription drugs and provide additional benefits such as eyeglasses, dental, acupuncture, and etc. The minimum premium can be $0.

Option 2

If you want to know more about Medicare Advantage Plans (Part C), please fill out the inquiry form below and we will contact you shortly!

You are first eligible to sign up for Medicare in the month of your 65th birthday, 3 months before and 3 months after the month you turn 65. For example, if your birthday is August 15, you can sign up from May 1 to November 30 of the year you turn 65.
If you are over 65 years old but have not signed up for Part A, you will need to pay an additional 10% premium when you enroll in the future. You pay this extra premium for twice the number of years that you were eligible for coverage. For example, if your enrollment delay for 2 years, you will need to pay an additional premium for 4 years.
If you are over 65 and the company still provides insurance, you can apply for Part B later without penalty. However, if you didn't get Part B when you're first eligible, your monthly premium may go up 10% for each 12-month period for as long as you have Part B.
Part A and Part B can be signed up from January 1 to March 31 each year. The effective date is July 1 of the same year.
Yes, you can switch plan from October 15 to December 7 every year. The effective date is January 1 of the following year.
Yes, you can switch plan from October 15 to December 7 every year. The effective date is January 1 of the following year.
You can switch at any time, but if you switch three months after your 65th birthday, your coverage may be denied due to your medical records reviewed by insurance company.