New to Medicare
Turning 65 or enrolling in Medicare for the first time? We'll walk you through everything you need to know — step by step, in plain language, at no cost to you.
Your Medicare Journey Starts Here
Navigating Medicare for the first time can feel overwhelming. With four different parts, multiple plan types, strict enrollment deadlines, and a maze of terminology, it's easy to feel lost before you even begin. That's exactly why we created this guide.
At MAC Insurance, we believe that understanding your Medicare options shouldn't require a degree in health policy. Our New to Medicare resource center breaks down the essentials into clear, easy-to-follow articles so you can make informed decisions about your health coverage.
Whether you're approaching your 65th birthday, recently became eligible through a disability, or are helping a loved one navigate their options, you'll find the answers you need below. And when you're ready, our licensed agents are here to provide free, personalized guidance.
Medicare Basics — Start Learning
What Is Medicare?
Learn the basics of the federal health insurance program that covers Americans 65 and older, as well as certain younger individuals with disabilities.
Read more →Parts of Medicare
Understand the four parts of Medicare — Part A (hospital), Part B (medical), Part C (Advantage), and Part D (prescription drugs) — and what each one covers.
Read more →Medicare Eligibility
Find out who qualifies for Medicare, when you become eligible, and what to do when you turn 65 or qualify through disability or End-Stage Renal Disease.
Read more →Compare Your Options
See a side-by-side comparison of Original Medicare versus Medicare Advantage so you can decide which path is right for your health care needs.
Read more →How Medicare Agents Are Paid
Learn how independent Medicare agents are compensated by insurance carriers — and why our help is always free to you.
Read more →Enrollment Periods
Understand the different Medicare enrollment windows — IEP, AEP, OEP, and SEP — so you never miss your chance to enroll or make changes.
Read more →Why Work With a Local Medicare Agent?
You can enroll in Medicare on your own through Social Security or Medicare.gov, but working with an independent licensed agent gives you several advantages:
- It's completely free. We are paid by the insurance carriers, not by you. Our service costs you nothing.
- Unbiased plan comparisons. As an independent agency, we compare plans from multiple carriers to find the best fit for your needs and budget.
- Local, personal service. We're based right here in Brooksville, FL. Meet with us in person, call us, or schedule a virtual appointment.
- Year-round support. We don't disappear after enrollment. If you have a claim question, need to switch plans, or want an annual review, we're here for you.
Frequently Asked Questions
When should I start thinking about Medicare?
Start researching Medicare options about 6 months before you turn 65. Your Initial Enrollment Period begins 3 months before your 65th birthday month and ends 3 months after. Missing this window can result in late enrollment penalties and gaps in coverage, so planning ahead is important.
Do I have to sign up for Medicare at 65?
If you are already receiving Social Security benefits, you will be automatically enrolled in Parts A and B when you turn 65. If you are not receiving Social Security, you need to actively enroll. If you have employer coverage through your or your spouse's current employer (with 20+ employees), you may delay Part B without penalty.
Does Medicare cover everything?
No. Original Medicare (Parts A and B) covers about 80% of approved medical costs. You are responsible for deductibles, copays, coinsurance, and services not covered — such as most dental, vision, hearing, and long-term care. Medicare Supplement or Medicare Advantage plans can help fill these gaps.
Is there a cost to work with a Medicare insurance agent?
No. Licensed Medicare insurance agents are paid by the insurance companies, not by you. There is no fee, markup, or hidden cost for using an agent. You pay the same premium whether you enroll directly or through an agent, but an agent can help you compare plans and find the best fit for your needs.
What is the difference between Original Medicare and Medicare Advantage?
Original Medicare (Parts A and B) is the government-run program that covers hospital and medical services. Medicare Advantage (Part C) is an alternative offered by private insurers that bundles A, B, and usually D coverage with extras like dental and vision, but requires using a network. You choose one path or the other — not both.
Ready to Get Started With Medicare?
Our licensed agents will answer your questions, walk you through your options, and help you enroll in the right plan — all at no cost to you.