If you have Medicare, or will have Medicare in the near future, read below to learn about some of your health coverage options and some general rules every Medicare beneficiary should know about. For more detailed information, visit

What is Medicare?

Medicare is health insurance for the following:

  •  People 65 or older

  •  People under 65 with certain disabilities

  •  People of any age with End-Stage Renal Disease (ESRD) – a permanent kidney failure requiring dialysis or a kidney transplant

The Different Parts of Medicare

Medicare Part A


Medicare Part B


Medicare Part C


Medicare Part D



  1. Are you already getting benefits from Social Security or the Railroad Retirement Board (RRB)?                                                  

    In most cases, you’ll automatically get Part A and Part B starting the first day of the month you turn 65. If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.                                                                                   

  2. Are you under 65 and disabled?                                                     

    You automatically get Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.                                                                      

  3. Do you have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s disease)?                                                                      

    You automatically get Part A and Part B the month your disability benefits begin.                                                                             

  4. Do you live in Puerto Rico and get benefits from Social Security or the RRB?                                                                                    

    You automatically get Part A. If you want Part B, you need to sign up for it.

  • When You First Get Medicare (Initial Enrollment Periods)

  • During Certain Times Each Year (Yearly Enrollment Periods)

  • In Special Circumstances (Special Enrollment Periods)

  • You change where you live

  • You lose your current coverage

  • You have a chance to get other coverage

  • Your plan changes its contract with Medicare

  • Other special situations

There are specific times when you can sign up for Medicare Advantage (Part C) and Medicare prescription drug coverage (Part D), or make changes to coverage you already have.​


Our Carriers

This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

Ask an Expert
Smoker / Tobacco

By providing your address, phone number and email address, you are agreeing to receive information and be contacted/called by a licensed agent with Set Sail Insurance Group.

Set Sail Insurance Group © 2021