Medicare Guidance Made Simple
Navigating Medicare can feel overwhelming — especially when you’re reviewing your options for the first time. At Horizon Senior Benefits, we provide clear explanations, honest guidance, and zero-pressure support. Whether you’re new to Medicare or reviewing your current coverage, we help you make confident, informed decisions.
New to Medicare? Medicare
If you’re approaching Medicare eligibility or helping a loved one get started, you’re not alone. Many people feel confused by the different parts, plans, and the amount of information they receive.
Our role is to simplify the process — answering your most common questions and helping you understand what applies to your situation, without overwhelm.
Medicare Basics (What You Should Know)
Here are a few key things most people need to understand when starting Medicare:
- You enroll in Medicare Part A and Part B through Social Security
- Other coverage options, such as Medicare Advantage or Medicare Supplement plans, are chosen separately
- Most people enroll during their 7-month Initial Enrollment Period around their 65th birthday
- If you have other creditable coverage, you may be able to delay enrollment without penalties
We help you understand these basics clearly so you can avoid common mistakes.
Medicare Advantage vs. Medicare Supplement
Medicare Advantage
Plans combine hospital and medical coverage into one plan and may include additional benefits.
Medicare Supplement (Medigap)
Plans work alongside Original Medicare to help cover out-of-pocket costs like deductibles and copays.
There’s no one-size-fits-all option. We help you compare the differences and determine which approach makes sense for your healthcare needs and budget.
Medicare Help Starts Here
You don’t have to navigate Medicare alone. Our licensed advisors take time to explain your coverage options, answer your questions, and guide you through each step of the process — always with clarity, honesty, and no pressure.
Medicare Help Starts Here
Medicare can bring up a lot of important questions. Below are clear, simple answers to some of the most common concerns people have when exploring their coverage options.
When should I enroll in Medicare?
Most people become eligible at age 65 and can enroll during their 7-month Initial Enrollment Period, which begins three months before your 65th birthday, includes your birthday month, and ends three months after. Enrolling during this time helps you avoid late penalties and coverage gaps.
Do I need to enroll in Medicare at age 65?
Not always. If you have qualifying employer coverage, you may be able to delay enrollment without penalties. Your specific situation will determine the best timing for enrollment.
What happens if I’m still working?
If you’re still working and covered by an employer health plan, you may have options to delay certain parts of Medicare. The size of your employer and the type of coverage you have can affect your decision.
How much does Medicare cost?
Costs can vary depending on the coverage you choose. Some parts of Medicare may have monthly premiums, deductibles, or copays. Additional plans, such as Advantage or Supplement plans, may also have different pricing structures.
Which type of plan is best for my needs?
The right plan depends on your healthcare needs, budget, prescription coverage, and preferred doctors or hospitals. Comparing your options carefully helps ensure you choose coverage that fits your lifestyle and financial goals.
