Medicare Education

Medicare 101: What is Medicare A, B, C, D?

Medicare is a federal health insurance program for people 65 years old and older, and for some younger people with disabilities or End Stage Renal Disease. The Initial Enrollment Period is from 3 months before you turn 65 until 3 months after. A late enrollment penalty may apply for those who join late. (In some cases the penalty may go up 10% for every year, or even 1% for every month in which you could have had coverage, but didn’t!) If you have any questions about Medicare, or would like to explore options that will allow you to go to doctors, hospitals, and other care providers of your choice, rather than only those who accept Medicare patients, please call a licensed, independent insurance agent at 800-831-9876 (in Las Vegas: 702-449-8311) or contact us online today. 


QUESTION: Will I save money if I enroll in Medicare by myself and work directly with a private health insurance company, instead of using the services of a health insurance agency, such as Healthcare Plans West, LLC?2

ANSWER: No, your monthly premium price will be the same; possibly even higher. We may be able to recommend a health insurance plan that fits your needs better and saves you money. We will also gladly review your coverage with you every year to see if there are any changes you would like to make.

Healthcare Plans West, LLC respects your right to choose a Medicare plan that works best for YOU. Our licensed, independent insurance agents are very familiar with what each policy does and does not cover. We can help you review all of your options for coverage and then help you narrow it down to the one that best fits your needs and your budget.

How do we get paid? Each policy has a small commission built into the price to compensate licensed and certified insurance agents for the time that it takes to learn all about their various insurance programs. This way, we can answer all of your questions and can help you make an educated decision. If you sign up for an insurance policy by yourself, the insurance company simply keeps that commission.


The following information is provided for general educational purposes only, to give you an overview of this complex federal insurance program. If you have any questions about this information or would like us to help you explore your Medicare options, please call a licensed, independent insurance agent at 800-831-9876 (in Las Vegas: 702-449-8311) or contact us online.

A Closer Look at Medicare: Part A, B, C, D

Original Medicare is Part A and/or Part B

Medicare Advantage is Part C
Medicare Prescription Drug Coverage is Part D

What does Medicare generally cover on tests, services, and other items?

Services covered by Part A

Services that are generally covered by Part B

Common Questions and Concerns

Do I need Medicare Supplement Insurance? (Medigap: Plans A~N)

Long-Term Care is not covered by Medicare

What if I need help paying for my Medicare coverage?

Definitions/Glossary of Terms

Medicare Enrollment Periods & Dates to Remember


Medicare is a very complex program. Understanding the difference between the different plans and keeping track of important dates can be quite daunting. Healthcare Plans West, LLC respects your right to choose. Our licensed, independent health insurance agents can guide you through the Medicare enrollment process with ease, answer all of your questions, review your policy, advise when a provider makes changes that may affect you, and remind you about important upcoming dates. If you have any questions, please call us at 800-831-9876 (in Las Vegas: 702-449-8311) or click here to contact us online.