💡 Medicare 101: What You Really Need to Know Turning 65

MARTINA. MOORE
Jul 12
2 min read

🎉 Turning 65? You're Not Alone—But It Can Still Feel Overwhelming

You’ve earned your Medicare benefits—but now you're facing a flood of phone calls, mailers, and decisions. We hear it all the time:

“Where do I even start? What plan do I really need? Who can I trust?”

That’s where we come in.

At Prime Life Hub, we help real people—right here in Hillsborough County—understand their Medicare options in a caring, pressure-free way.

Let’s break it all down so you can breathe easy and feel confident moving forward.

🧩 What Is Medicare, Really?

Medicare is health insurance for:

People turning 65 or older
Those under 65 with certain disabilities
Anyone with End-Stage Renal Disease (ESRD)

There are 4 parts to Medicare:

Part A – Hospital Insurance

Covers inpatient hospital stays, nursing facility care, hospice, and some home health.

✅ Most people don’t pay a premium for Part A.

Part B – Medical Insurance

Covers doctor visits, outpatient care, preventive services, and medical equipment.

💸 Most people pay a monthly premium for Part B.

Part C – Medicare Advantage (MA Plans)

Offered by private insurance companies. Combines Parts A & B, and usually includes:

Prescription drugs
Dental, vision, hearing
Extra perks like gym or OTC benefits

⚠️ You must still pay your Part B premium.

Part D – Prescription Drug Plans

Helps cover the cost of your medications. Available as a standalone plan or included in a Medicare Advantage plan.

🗓️ Timing Matters: When to Enroll

Your Initial Enrollment Period (IEP) is your first chance to sign up. It’s a 7-month window:

3 months before your 65th birthday
The month of your birthday
3 months after

If you miss this, you could face late penalties or coverage delays.

🚨 Common Mistakes That Cost People Big

We see it all the time—and help fix it:

Picking a plan without checking if your doctor or prescriptions are covered
Not reviewing your plan each year
Missing out on financial help like Medicaid or Extra Help programs

🎯 Want to avoid these? Click here to grab our free Medicare Mistakes Guide »

👩‍⚕️ Real Story: “I Didn’t Know Who to Trust…”

“I was turning 65, and every day I had 10+ voicemails about Medicare. It was stressful—until I met Martina. She came to my home, explained everything clearly, and helped me get more coverage for less money. Total peace of mind!”– Gwen T., Brandon FL

💬 Let’s Make Medicare Easy

Whether you’re brand new to Medicare or helping a loved one make sense of it all, we’re here to help—without the pressure.

At Prime Life Hub, we represent 150+ trusted providers, so we work for YOU, not a single company.

📞 Get Your Free Medicare Review Today

👩‍💼 Martina Moore & Maya Dyakova-PeirceYour Local Licensed Life & Health Advisors📅 Schedule My Free Medicare Call Now »📧 martina.moore@amerilifeagent.com📍 Based in Hillsborough County | Serving All of Florida

By Martina Moore & Maya Dyakova-Peirce | Prime Life Hub