Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger people with disabilities. Medicaid is a joint federal and state program designed to assist people with limited income and resources. While some individuals qualify for both, they are separate programs with distinct rules and qualifications.

Most people can first enroll during their Initial Enrollment Period (IEP), which spans a 7-month window starting 3 months before the month you turn 65, your birth month, and ending 3 months after. Unlike some common assumptions, you generally cannot enroll at just any time without a qualifying Special Enrollment Period or during the Annual Enrollment Period.

Part A (hospital insurance) is premium-free for most individuals who have worked and paid Medicare taxes for at least 10 years. Part B (medical insurance) has a standard monthly premium determined by the government each year. Costs for Medicare Advantage (Part C), Medicare Supplement (Medigap), and prescription drug plans (Part D) vary based on the private carrier and coverage level you choose.

Yes. Hal Ringold is actively licensed and provides personalized insurance and Medicare consultations for clients in Georgia (based in Augusta) as well as Ohio. Get in touch directly to verify specific plan availability for your zip code.