Medicare 101
What Is Medicare?
Medicare is the federal health insurance program for people age 65 and older, and for some younger people with disabilities or specific conditions. It has four parts — A, B, C, and D. Parts A and B are 'Original Medicare' from the government; Part C (Medicare Advantage) and Part D (drugs) are private plans that fill the gaps.
The four parts
Part A covers hospital care (usually premium-free if you worked 10+ years). Part B covers doctors and outpatient care (monthly premium by income). Part C bundles A, B, and usually D into one private plan. Part D covers prescriptions.
Where to start
Most people enroll around their 65th birthday, then choose between Original Medicare (often with a Medigap + Part D plan) or a Medicare Advantage plan. We help you compare both for your situation.
Questions, answered
Is Medicare free?
Part A is usually premium-free if you or your spouse paid Medicare taxes 10+ years. Part B has a monthly premium. Advantage and Part D plans vary — some are $0 premium.
Is Medicare the same as Medicaid?
No. Medicare is federal health insurance based mainly on age. Medicaid is a state/federal program based on income. Some people qualify for both (dual-eligible).
At what age do I become eligible for Medicare?
Most people become eligible at 65. You can also qualify earlier if you've received Social Security Disability benefits for 24 months, or have ALS or End-Stage Renal Disease.
Do I have to enroll in Medicare if I'm still working at 65?
Not necessarily. If you have creditable coverage through a current employer (generally 20+ employees), you may be able to delay Part B without a penalty. The rules depend on your employer's size — we check your specific situation.
What's the difference between Original Medicare and Medicare Advantage?
Original Medicare (Parts A and B) is run directly by the federal government with no provider network — you can see any doctor who accepts Medicare nationwide. Medicare Advantage (Part C) is a private-plan alternative that bundles A, B, and usually D, using a provider network in exchange for often lower costs and extra benefits.
Talk to a local La Crosse area advisor
Free, no pressure — we compare your options for you.