TURNING 65?
WE'VE GOT YOU COVERED
Medicare can feel overwhelming — but it doesn't have to be. Our licensed agents explain everything in plain language and help you find the right plan at no cost to you.
THE FOUR PARTS OF MEDICARE
Medicare is divided into four parts, each covering different aspects of your healthcare.
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay $0 premium for Part A.
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical equipment. Requires a monthly premium (2026 standard: $185.00/month).
Medicare Advantage
Private plans that bundle Part A, Part B, and usually Part D. Often include dental, vision, and hearing benefits with $0 premiums available.
Prescription Drugs
Standalone drug coverage that works with Original Medicare or a Medigap plan. Covers brand-name and generic prescription medications.
YOUR MEDICARE ROADMAP
Check Your Eligibility
Most people qualify for Medicare at age 65. You may also qualify if you have certain disabilities or end-stage renal disease.
Understand Your Options
Choose between Original Medicare (Parts A & B), Medicare Advantage (Part C), and add-on coverage like Part D and Medigap.
Know Your Enrollment Window
Your Initial Enrollment Period is a 7-month window around your 65th birthday. Missing it can result in permanent late penalties.
Compare Plans
Work with a licensed VC Health agent to compare plans from top carriers and find the one that fits your doctors, drugs, and budget.
Enroll & Get Covered
Once you've chosen your plan, we guide you through the enrollment process — quickly, clearly, and at no cost to you.
YOUR INITIAL ENROLLMENT PERIOD
You have a 7-month window to enroll in Medicare — starting 3 months before your 65th birthday month and ending 3 months after. Missing this window can result in permanent late enrollment penalties.