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Medicare Basics

Foundations, election periods, employer coverage, and key concepts to build confidence before your first client appointment.

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Election Periods

Know when clients can enroll or change plans (IEP, AEP, OEP, SEPs) and what triggers each window.

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Must Know

Medicare & Employer Coverage

Working past 65? Learn how employer plans affect timing, SEPs, and when Part B should start.

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Avoid Mistakes

IRMAA & Late Enrollment Penalties

Understand IRMAA surcharges and the common late enrollment penalties agents need to prevent.

Open IRMAA Training →

Medicare 101 (Quick Overview)

Part A (Hospital)

Inpatient hospital, skilled nursing, hospice. Often $0 premium if 40 quarters.

Part B (Medical)

Doctors, outpatient care, preventive services. Monthly premium applies.

Part C (Medicare Advantage)

Private plan alternative that replaces A & B and may bundle drug + extras.

Part D (Prescription Drugs)

Standalone drug plan or included in many Medicare Advantage plans.

Open Full Medicare 101 Training (With 2026 Costs) →

Eligibility (Most Common)

Turning 65 (main pathway)
Disability (SSDI eligibility after a qualifying period)
ESRD / ALS (special rules may apply)

Client Talk Track (Simple)

"Medicare has parts. A & B are Original Medicare."
"Then you either add a Supplement + drug plan, or choose Medicare Advantage."
"The right option depends on budget, doctors, meds, and timing."

Agent tip: Always anchor the appointment on the client's effective date and which election period applies — everything else flows from that.