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Health Insurance / Medicare

MEDICARE SIMPLIFIED

Find the right Medicare plan for your needs

Medicare can be easier to understand with the right help. Our licensed experts guide you through plan options from top providers, so you can choose your coverage with confidence.

or find an office near you to meet with a local agent

WE HAVE YOU COVERED

Why choose The Baldwin Group?

You deserve Medicare coverage that fits your life. We make it easy with clear guidance, side-by-side comparisons, and expert support.

Personalized guidance

Get coverage that truly works for you. We find plans that fit your needs, budget, and doctors.

Medicare, clearly explained

Make confident Medicare choices. We help to ensure you fully understand your options.

Side-by-side plan comparisons

Let us compare plans for you, making it easy to find the right coverage for your healthcare needs.

Support beyond enrollment

From questions to coverage updates, we’re here to help you navigate healthcare plans with ease.

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.
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.
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.

SIMPLIFYING MEDICARE

Navigate Medicare with confidence

Get the support you need from a trusted expert. We’ll help you find the right plan, answer your questions, and ease your concerns.

FREQUENTLY ASKED QUESTIONS

Medicare questions, answered

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

What documents will I need to enroll in Medicare?
To enroll in Medicare, you’ll need a few key documents:
  • Your birth certificate to verify your age and determine your eligibility for Medicare based on your date of birth.
  • Proof of U.S. citizenship or legal residency to confirm your legal status in the U.S. and qualify for Medicare benefits.
  • Your Social Security card to link your Social Security number to your Medicare coverage and verify eligibility.
  • Your current health insurance information to understand how Medicare will coordinate with any existing coverage.
  • Tax information to verify your income and work history, which may impact your Medicare eligibility and premium rates.
  • Military documents, if applicable, to confirm your military service and eligibility for special Medicare benefits.
To learn about all the necessary paperwork and the enrollment process, read our full article.
Who is eligible for Medicare?
Medicare is available to:
  • U.S. citizens aged 65 or older 
  • People under 65 with disabilities 
  • Individuals with End-Stage Renal Disease (ESRD) 
  • Those who have worked long enough to qualify for Social Security
Can I enroll in Medicare with a pre-existing condition?
Yes, you can. Medicare doesn’t exclude people based on health conditions. Eligibility is mainly determined by age (65 or older) or certain disabilities. So, even with a pre-existing condition, you can qualify for Medicare coverage.
Are you automatically enrolled in Medicare at 65?
Most people need to sign up manually for Medicare when they turn 65, but if you receive Railroad Retirement or Social Security benefits, you’ll be automatically enrolled in Parts A and B.
For more details about when and how to enroll, and if you’re eligible for automatic enrollment, read our full article.
What are the 3 enrollment periods for Medicare?
The three key Medicare enrollment periods are:
  • Initial Enrollment Period (IEP): A seven-month window starting three months before your 65th birthday and ending three months after. You can sign up for Medicare Parts A and B during this time. 
  • Annual Enrollment Period (AEP): Occurs from October 15 to December 7 each year. You can review and make changes to your Medicare plans, including switching between Original Medicare and Medicare Advantage or changing your prescription drug coverage. 
  • Open Enrollment Period (OEP): From January 1 to March 31 each year. You can change your Medicare Advantage plan, switch back to Original Medicare, or adjust your drug coverage.
What if I missed the Medicare enrollment period?
Missing the Medicare Annual Enrollment Period (AEP) doesn’t mean you’re out of options. You can still make changes during other enrollment periods, such as the Medicare Advantage Open Enrollment Period (OEP) and the General Enrollment Period (GEP).
Additionally, you may qualify for a Special Enrollment Period (SEP) based on life events, like moving or losing employer coverage.
It’s also worth noting that the Medicare Advantage Disenrollment Period (MADP), from January 1 to February 14, allows you to return to Original Medicare and join a standalone Part D plan.
For a full guide to your next steps, read our full article.
What is the difference between Medicare and Medicaid?
Though both Medicare and Medicaid provide healthcare assistance, they serve different populations and have distinct purposes.
Medicare is a federally funded program for individuals aged 65 and older, as well as younger people with disabilities. Medicaid, on the other hand, is designed for low-income individuals and families, regardless of age.
For a deeper dive into their coverage, eligibility, and costs, read our full article.

STAY INFORMED

Explore our latest Medicare insights

From enrollment guidance to plan changes, we help you stay up to date about the information you need to make confident decisions regarding your healthcare.

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EMPOWERING YOUR MEDICARE JOURNEY

Your trusted Medicare partner

With personalized support, we’ll make sure you understand every option available. Get the guidance you need to feel confident in your healthcare decisions.

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.