Find Medicare Plans Near You

Original Medicare (Medicare Part A & B) provides coverage anywhere in the U.S. that accepts Medicare.

Medicare Advantage (or Medicare Part C) plans from private insurance carriers may offer additional benefits, but coverage is limited by provider networks. Plan availability depends on where you live.

Medicare is a federal health insurance program available to older adults ages 65 and older, and those with certain disabilities. Medicare enrollment begins with your Initial Enrollment Period (IEP), which lasts for seven months and opens three months before your 65 birthday (or four months before if you were born on the first of the month). Whether you receive Social Security payments or use an employer insurance plan can impact enrollment. Here’s how it works:

• Social Security: If you receive Social Security payments prior to turning 65, you will automatically be enrolled in Part A and Part B. If you don’t draw Social Security payments, you will need to enroll in Medicare with the Social Security Administration.
• Employer-sponsored insurance: If you’re still working when you turn 65 and don’t want to leave your employer’s insurance plan, you don’t have to enroll in Part B. Still, you may benefit from understanding how Part B works because you’ll need to enroll when you choose to leave your employer’s plan.

Because Medicare is a federal insurance program, the core elements of Medicare are the same in each state, but there are a few exceptions when it comes to certain parts.

Coverage Networks

Original Medicare allows you to see any provider that accepts Original Medicare in all 50 states. Medicare Advantage may limit you to providers in the plan’s network service area, but the plan is required to cover emergency care and urgent care in all 50 states.

Medigap or Medicare Supplement Plans

If you select to add Medicare Supplement insurance, the plan is standardized in nearly all 50 states with the exception of Massachusetts, Minnesota, and Wisconsin. Each state has the option to offer additional benefits beyond the federally determined “standard.”

Dual-eligibility based on Low Income

Some people are eligible for both Medicare and Medicaid. To qualify for Medicaid, you must apply with your state Medicaid office. Not all states have the same requirements to qualify for Medicaid.

Some states may have 5-star rated Medicare plans available, but the rating doesn’t always mean it’s the right plan for your needs. It’s important to do your homework.

What does a 5-star rating mean?

Medicare Advantage plans are evaluated and scored based on how well they meet the needs of beneficiaries. Total ratings are averaged to create a “star rating.” Before choosing a plan, determine your priorities and check the coverage details carefully.