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Employee Benefits / Medicare

MEDICARE SIMPLIFIED

Start strong with the right Medicare plan

Your employer has partnered with The Baldwin Group to guide you through your Medicare journey. Whether you’re turning 65 or transitioning off your employer plan, we’re here to help you find the right coverage.

Let’s find your plan
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Not Medicare eligible yet?

Let us help you find an individual and family health plan tailored to your needs and budget.

Explore ACA options

MEDICARE BASICS

Understanding the parts of Medicare

Medicare has four key parts, each covering different healthcare needs. Knowing how they work together helps you choose the right coverage for your needs.

PART A

Hospital Insurance

Medicare Part A covers hospital stays, nursing facilities, hospice, and certain forms of home health care. While there is a deductible associated with Part A, in many instances, it becomes premium-free if you or your spouse have paid taxes.

Stethoscope icon depicting Medicare Part B, Medical Insurance

PART B

Medical Insurance

Medicare Part B provides medical insurance for outpatient care and preventive services. It encompasses essential services required for the prevention, diagnosis, and treatment of specific conditions.

PART C

Medicare Advantage

Medicare Part C, commonly referred to as Medicare Advantage, enables approved private companies to deliver Medicare benefits. This all-in-one plan includes Parts A and B, often Part D, plus extras like vision and dental.

Rx bottle icon depicting Medicare Part D, prescription drug coverage

PART D

Prescription Drugs

Medicare Part D is a coverage plan that helps lower prescription costs for both generic and brand-name medications, helping to ease the burden of high drug prices.

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WE HAVE YOU COVERED

Your trusted Medicare partner

Unsure where to start with Medicare? You’re not alone. Our licensed experts guide you through every step, offering clear advice and plan comparisons so you can move forward with clarity and confidence in your coverage choices.

FREQUENTLY ASKED QUESTIONS

Medicare questions, answered

We understand that Medicare can be overwhelming. Browse our FAQs for quick answers to the most common questions.

If I’m working past 65, do I need to enroll in Medicare?

If you’re still working at 65 and have employer health insurance, you may be able to delay Medicare, especially if your employer has 20 or more employees. However, if the company has fewer than 20, Medicare usually becomes your primary coverage, so enrolling is important. Many people sign up for Medicare Part A since it’s free if you’ve worked at least 10 years. To avoid penalties or gaps later, check your employer’s coverage and consider speaking with a Medicare agent.

Am I automatically enrolled in Medicare when I turn 65?

You’re only automatically enrolled if you’ve been receiving Social Security or Railroad Retirement benefits for at least 4 months before your 65th birthday. If not, you’ll need to sign up yourself during your Initial Enrollment Period to avoid late penalties.

Can I keep my doctor on Medicare?

It depends on the plan you choose. We’ll help you find a plan that includes your preferred doctors and specialists.

How do I enroll in Medicare?

If you’re not automatically enrolled, you can sign up during one of three periods:

  • Initial Enrollment Period (IEP): This 7-month window starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. It’s the best time to enroll to avoid penalties.
  • General Enrollment Period (GEP): If you miss your IEP, you can enroll between January 1 and March 31 each year, with coverage starting July 1—but late penalties may apply.
  • Special Enrollment Period (SEP): If you have qualifying coverage, like employer health insurance, you can enroll after 65 without a penalty. SEP lasts 8 months after your coverage ends or you leave your job.

Our team can help you understand your options and guide you through the enrollment process. Contact us today to get started.

Ready to choose your Medicare plan?

Get expert, one-on-one guidance from licensed agents who make Medicare easier to understand. We’ll help you compare plans, avoid penalties, and choose coverage that fits your needs, doctors, and budget.

Begin my Medicare journey

Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

The Baldwin Group is not affiliated with or endorsed by Medicare or any government agency. The Baldwin Group does not discriminate based on race, color, national origin, age, disability, or sex. Calling this number or submitting data on our website will direct you to a licensed agent. No obligation to enroll. All health insurance services are the responsibility of The Baldwin Group Health Insurance, LLC, NPN 17880298 and The Baldwin Group Health Insurance II, LLC, NPN 17320005.