Medicare: Simplifying Healthcare for Seniors

As you approach 65, Medicare becomes an essential part of your healthcare strategy — but understanding the choices isn’t always easy. At StateBank.org, we break down Medicare into clear, actionable options so you can enroll with confidence.

Parts of Medicare Explained

• Part A: Hospital coverage (usually no premium)

• Part B: Doctor visits, outpatient care (monthly premium required)

• Part C (Medicare Advantage): Private plans that bundle A & B, often with extra benefits like dental or vision

• Part D: Prescription drug coverage

You may also consider Medigap (Supplemental Insurance) to cover what Original Medicare doesn't.

What to Consider When Choosing

• Are your doctors in-network for a Medicare Advantage plan?

• Do you need prescriptions covered?

• Are dental and vision important to you?

• Would you prefer predictable out-of-pocket costs?

Your location matters too — Medicare Advantage plans vary widely by ZIP code.

Enrollment Tips

• Initial Enrollment Period: 3 months before to 3 months after your 65th birthday

• Annual Open Enrollment: October 15 to December 7

• Special Enrollment: For major life changes (e.g., retirement or relocation)

Conclusion

Medicare doesn’t have to be confusing. Whether you're planning for retirement or helping a loved one, StateBank.org guides you every step of the way with clear comparisons and expert-backed advice.