Medicare made simple, from a name you already trust.
Turning 65? Helping a parent? Get unbiased guidance from a licensed agent, enrollment support, and a real person to call all year long — no 1-800 hold music.
Takes about 5 minutes · No obligation
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The four parts of Medicare, in plain English
Medicare isn't one thing — it's a menu. Here's what each piece does.
Part A
Hospital insurance
Covers inpatient hospital stays, skilled nursing, hospice, and some home health. Most people get this premium-free at 65.
Part B
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and durable medical equipment. Has a monthly premium.
Part C
Medicare Advantage
An all-in-one alternative from a private carrier. Bundles A, B, usually D, and often dental, vision, and hearing.
Part D
Prescription drugs
Stand-alone prescription coverage from private carriers. Costs vary based on the drugs you take.
Medigap (Medicare Supplement)
Pairs with Original Medicare (A & B) to cover the gaps — deductibles, coinsurance, copays. Use any doctor that accepts Medicare.
Medigap vs. Advantage
Different trade-offs around cost, networks, and flexibility. The right choice depends on your doctors, your meds, and your budget — that's where we come in.
When can you enroll?
Timing matters. Missing a window can mean penalties for life.
INITIAL ENROLLMENT
7 months around your 65th birthday
3 months before, the month of, and 3 months after. Your one shot to enroll without penalty.
ANNUAL ENROLLMENT
Oct 15 – Dec 7 each year
Switch plans, change Advantage to Original, or add/drop Part D. Coverage starts Jan 1.
SPECIAL ENROLLMENT
Triggered by life events
Losing employer coverage, moving, or other qualifying changes can open a window outside the usual dates.
Start your Medicare review
Choose an agent below. Either agent can help — just pick one to get started.
Sean Buckels
Licensed Medicare Agent
Hailey Batson
Licensed Medicare Agent
Secure platform · Your information stays private
Worthen Insurance Group is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.