Turning 65 can be a confusing time as you work thru the details of Medicare coverage, which is very different from the more traditional group or individual health insurance products. Medicare Part A( the hospital portion) is automatic once you become eligible and register. Medicare Part B( the non-hospital portion) requires registration and a monthly payment based on your income level. Where most people get confused is trying to make decisions about Part C( HMO-like managed care coverage where you assign your Medicare benefits to your chosen insurer and take their plan instead of Parts A, B, and D), Part D( the prescription drug component), and Medigap policies ( a supplemental policy that covers what Medicare does not, i.e. deductibles, Medicare excess, etc.). We can help you make the right choices when it comes to decisions regarding your Medicare coverage.