Medicare
Turning 65, working past it, or already on Medicare and not sure you’re on the right plan? We’ll walk you through how the pieces fit, what each part is for, and where you actually have a choice. We’re licensed in South Carolina and North Carolina, and our help costs you nothing.
Start here
The base layer is Original Medicare: Part A (hospital) and Part B (doctors and outpatient). Almost everyone has these. The second layer is the part you choose: either a Medicare Advantage plan that bundles everything together, or you keep Original Medicare and add drug coverage and a supplement. Once you see those two layers, the rest of the alphabet makes sense.
The four parts
Covers inpatient hospital stays, skilled nursing, hospice, and some home health care. Most people have paid for it through years of working, so it usually costs nothing each month.
Covers the everyday care outside the hospital: doctor visits, outpatient care, lab tests, preventive screenings, and equipment like walkers. It has a monthly premium.
An all-in-one alternative from a private company that covers everything A and B do, usually bundles drug coverage, and often adds extras. One plan instead of several pieces.
Covers medications. This is the part people understand least, and that's the part a pharmacist knows best. Which plan is right depends entirely on the specific drugs you take.
Two honest paths, and it depends on you.
Best if you value seeing any doctor who takes Medicare and predictable costs. More pieces to set up, usually a higher monthly cost, fewer surprises later.
Best if you value one simple plan and lower monthly cost, and you're comfortable using a network of doctors. Extras are common; the trade-off is the network and how costs work when you need care.
There is no plan that is best for everyone. The right path depends on your doctors, your medications, your budget, and how you like to handle risk. That’s exactly what a free review is for.
Explore your Medicare options
The all-in-one path. See how it works, what to check, and who it tends to suit.
Learn more →The supplement that fills Original Medicare's gaps, and the one window that only opens once.
Learn more →Drug coverage, explained by a pharmacist. Why the right plan depends on your exact medications.
Learn more →
Why a pharmacist for Medicare
Drug coverage is the piece that trips most people up, and it’s the piece we know cold. Tell us the medications you take and we already know what they usually cost, which tier they tend to sit on, and how different plans treat them. That’s twenty years behind a counter doing exactly this, now pointed at your coverage instead of your prescription.
The deadlines that matter
You get a seven-month window around your birthday to sign up for the first time: the three months before your birthday month, and the three months after.
If you keep employer coverage, you may be able to delay, but once that coverage ends you have eight months to enroll without a lifetime penalty. This is the one people miss most.
From October 15 to December 7, anyone on Medicare can change their coverage for the next year. Even if you're happy, it's worth a yearly look, because plans change.
Questions
A free review takes the guesswork out of it. Bring your doctors and your medication list, and we’ll walk through it in plain English. If your current plan is already right, we’ll tell you.
Or call us on (803) 415-7794
