New to Medicare? Start Here.
Welcome to Medicare Mall, your trusted guide for navigating Medicare with clarity and confidence.
If you’re just getting started, you’re not alone. Medicare can feel overwhelming at first, with its many parts, plan options, and enrollment rules. We’re here to make it simple. Whether you’re turning 65, retiring, or qualifying due to disability, this page will walk you through the basics and help you take your next step with ease.
Understanding Original Medicare
Original Medicare includes:
Part A (Hospital Insurance): Helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Part B (Medical Insurance): Helps cover doctor visits, outpatient services, preventive care, and durable medical equipment. Typically pays 80% of approved medical costs after the Part B deductible.
While Part A is usually premium-free, Part B comes with a monthly premium. You can choose to delay Part B in some situations, but be sure to understand the consequences before opting out. Need help deciding? Call us for free guidance.
What Comes After Original Medicare?
Once enrolled in Parts A and B, you can choose to enhance your coverage with additional Medicare options:
Medicare Supplement Insurance (Medigap)
Medigap plans help cover out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles.
Medicare Supplement Insurance (Medigap)
Medigap plans help cover out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles.
Plans are standardized (Plan A, B, G, etc.), but pricing and availability vary by insurer.
Medigap plans do not include prescription drug coverage.
You must be enrolled in Medicare Parts A and B to buy a Medigap plan.
Medicare Advantage Plans (Part C)
Medicare Advantage plans are all-in-one alternatives to Original Medicare offered by private insurers approved by Medicare.
Most include Part A + Part B + Part D (prescription drugs)
Many offer extra benefits like dental, vision, hearing, fitness memberships, and more
May have lower monthly premiums but use provider networks (like HMOs or PPOs)
Coverage and costs vary by location — contact us to compare plans available in your area.
Medicare Prescription Drug Plans (Part D)
Part D plans provide coverage for prescription medications and are available in two ways:
Standalone Part D plans — added to Original Medicare
Included in most Medicare Advantage plans
Enroll as soon as you’re eligible to avoid late penalties. Explore Part D options
Dental, Vision, and Hearing Plans
Original Medicare offers limited or no coverage in these areas. That’s why many seniors choose to enroll in separate plans for:
Dental care (cleanings, crowns, root canals)
Vision services (exams, glasses, contacts)
Hearing aids — not covered by Medicare or Medigap
Affordable supplemental plans can help you save on these essential services. See your options
Medicare and Disability (Under 65)
If you’re under 65 and qualify for Medicare due to a disability, you may also be eligible for Social Security Disability Insurance (SSDI). This federally funded program supports individuals who can’t work due to a qualifying condition.
Click here for a free SSDI evaluation and discover how we can help.
Get Help Navigating Medicare
You don’t have to figure it out alone.
Medicare Mall is here to walk you through the process, answer your questions, and help you compare plans that fit your needs and budget.
Have questions? Ready to explore your options?