Medicare Basics for Aging Parents: Parts A, B, C & D Explained
A simple guide to help you understand how Medicare works for your mom or dad — and when it's time to sign up.
How Does Medicare Work for Seniors?
If you're helping a parent navigate Medicare for the first time, it can feel overwhelming. The good news? It breaks down into just a few clear pieces.
Medicare is health insurance for people age 65 and older (and some younger people with disabilities). It comes in parts, and each part covers something different. Once you know what each one does, the whole picture gets much easier.
Not sure where to start? Call 1-800-MEDIGAP to speak with a friendly concierge — the service is free, with no pressure.
Medicare Parts A, B, C & D Explained
When to Sign Up for Medicare: The Enrollment Timeline
Timing matters. Missing a deadline can mean lifelong late penalties — so it helps to mark the calendar.
Initial Enrollment Period: A 7-month window around your parent's 65th birthday — 3 months before, the birthday month, and 3 months after.
General Enrollment Period: January 1 to March 31 each year, for those who missed their first chance.
Open Enrollment: October 15 to December 7, when your parent can switch or change plans for the coming year.
Unsure which window applies to your parent? Call 1-800-MEDIGAP and we'll walk you through it.
“I was so confused trying to set up Medicare for my dad. One free phone call made it all make sense — and we found a better plan.”
Get a Free Medicare Plan Comparison Today
Our caring concierge will compare plans for your parent at no cost. Call 1-800-MEDIGAP now for friendly, pressure-free help.
📞 1-800-MEDIGAP