Medicare 101: Start With Understanding

Turning 65, preparing for retirement, or reviewing your current coverage? Understanding Medicare is the first step toward making informed choices.

GA Financial Group provides clear explanations to help you understand Medicare coverage and the questions to ask before enrolling.

Call Toll Free: 1-866-764-3381

Understand the Parts of Medicare

Part A — Hospital Insurance: Helps cover inpatient hospital care and certain other services, including eligible skilled nursing facility care, hospice care, and home health care.

Part B — Medical Insurance: Helps cover doctor visits, outpatient care, certain medical equipment, and many preventive services.

Part C — Medicare Advantage: An alternative way to receive Part A and Part B benefits through a Medicare-approved private health plan. Most plans include prescription drug coverage. Networks, costs, and coverage rules vary.

Part D — Prescription Drug Coverage: Helps cover prescription medications through a separate Medicare drug plan or many Medicare Advantage plans.

Where Does Medicare Supplement Insurance Fit?

Medicare Supplement Insurance, also called Medigap, helps pay certain out-of-pocket costs under Original Medicare.

Medigap and Medicare Advantage are different coverage options. A Medigap policy does not supplement a Medicare Advantage plan.

Medigap enrollment protections follow different rules from Medicare’s annual enrollment period. Review your eligibility and applicable state protections before changing coverage.

Know Your Enrollment Opportunities

Your enrollment options depend on your circumstances. Turning 65, leaving employer coverage, moving, and other qualifying events may affect when you can enroll or make changes.

The annual October 15–December 7 enrollment period allows changes to Medicare Advantage and Medicare prescription drug coverage for the following year. It does not provide a general annual guaranteed right to buy Medigap coverage.

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Learn What to Consider Before Enrolling

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 Understand the Basics

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Explore Your Options

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Make Informed Decisions

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Personal Medicare Guidance

Ready for a Personal Medicare Review?

A personal review is a separate appointment to discuss your needs and the coverage options we offer. Before a personal marketing appointment, we will document the types of coverage you want to discuss through a Scope of Appointment.

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Personalized Client Service

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Experienced Insurance Guidance

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Coverage Options for Your Needs

North Jersey Medicare 101 Educational Workshops

You may also contact us: 1-866-764-3381

We Work With a Variety of Leading Insurance Carriers

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We're proud to represent great insurance carriers like: