Support from licensed agents
Medicare Coverage Made Simple
Explore your Medicare options with expert help, no pressure.
We’ll guide you through the parts, plans, and what’s right for you.
Why Choose PolicyMates for Medicare?
We’re licensed, independent, and here to help—without the pressure or confusion.
Unbiased Help from Licensed Agents
We’re not tied to any one insurance company, so our only goal is helping you find what fits you best.
Support Through Every Step
From understanding your options to enrolling and beyond, we’ll guide you at your pace—at no cost to you.
Clear Answers, No Sales Gimmicks
We explain things simply so you can make informed decisions—without pushy sales or confusing fine print.
Multiple Plans, One Trusted Source
Compare plans from well-known carriers all in one place, with help from real people who care.
Understanding Medicare: The Basics
Medicare has several parts, and we help you make sense of them all:
Part A – Hospital Insurance
Covers inpatient hospital stays, skilled nursing care, hospice, and some home health services.
Part B – Medical Insurance
Helps pay for doctor visits, outpatient care, preventive services, and durable medical equipment.
Part C – Medicare Advantage
All-in-one plans offered by private carriers. They often include extra benefits like dental, vision, hearing, and prescription drug coverage.
Part D – Prescription Drug Plans
Standalone plans that help cover the cost of prescription medications.
Medigap (Supplement Plans)
Helps cover some out-of-pocket costs not paid by Original Medicare, like copays and deductibles.
When Can You Enroll in Medicare?
Knowing your enrollment window is key to avoiding late penalties and making sure you’re covered when you need it most.
Initial Enrollment Period (IEP)
Your first chance to enroll. It’s a 7-month window:
Starts 3 months before your 65th birthday month
Includes your birthday month
Ends 3 months after
Annual Enrollment Period (AEP)
You can change your Medicare Advantage or Part D plan between October 15 and December 7 each year.
Medicare Advantage Open Enrollment
January 1 – March 31
If you’re already on a Medicare Advantage plan, you can switch or drop it during this window.
Special Enrollment Periods (SEPs)
You may qualify outside the usual windows if you:
Retire and lose employer coverage
Move out of your plan’s service area
Experience other life events
Not affiliated with or endorsed by the U.S. government or the federal Medicare program
