Medicare Made Simple

What Is Medicare?

Medicare is a federal health insurance program for people age 65 and older, and for certain younger individuals with disabilities. While Medicare provides essential coverage, it can feel overwhelming — with multiple “parts,” enrollment periods, and plan choices to consider.



At Arcuri & Associates Assurance Agency, our mission is to simplify Medicare through face-to-face education, ongoing personal support, and clear guidance before, during, and after enrollment.

The Four Parts of Medicare

Medicare is made up of several parts, each covering different types of care:

Hospital bed with a shield and a checkmark.

Part A: Hospital Insurance

Helps cover inpatient hospital care, skilled nursing facility care, hospice, and some home health care.

Umbrella over a shield with a plus sign, symbolizing healthcare insurance.

Part B: Medical Insurance

Helps cover doctor visits, outpatient care, preventive services, and durable medical equipment.

Medical team icon. A cross in a circle above three person icons connected by lines.

Part C: Medicare Advantage Plans

An alternative to Original Medicare, offered by private insurers, that combines Part A and Part B, and usually includes Part D plus extra benefits like dental, vision, and hearing.

Receipt icon with pill and capsule symbols.

Part D: Prescription Drug Coverage

Helps cover the cost of prescription medications. Can be added to Original Medicare or included with a Medicare Advantage plan.

A doctor in a white coat consults with an older couple in an office setting, looking at paperwork.

Medicare Supplement Plans (Medigap)

In addition to Parts A–D, you may also want a Medicare Supplement Plan (Medigap). These plans help pay the out-of-pocket costs (like copays, coinsurance, and deductibles) that Original Medicare doesn’t cover.

When Can You Enroll in Medicare?

  • Initial Enrollment Period (IEP): Around your 65th birthday
  • Annual Enrollment Period (AEP): October 15 – December 7 each year
  • Medicare Advantage Open Enrollment: January 1 – March 31
  • Special Enrollment Periods (SEPs): Triggered by specific events like moving or losing coverage
Learn more about Medicare enrollment options

Why Choose Arcuri & Associates for Medicare Guidance?

01

Face-to-Face Education

We meet with you in person to explain Medicare in plain language.

02

Ongoing Support Before, During, and After Enrollment

We’re here to answer questions, review your plan, and support you year after year.

03

Direct Access, No Phone Trees

When you call, you’ll always reach us — not a call center.

04

Free Service

Our guidance costs you nothing.

Get Started with Confidence

Medicare doesn’t have to be confusing. At Arcuri & Associates Assurance Agency, we have the answers — and the personal care you deserve. Let us walk you through your Medicare options step by step.