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Medicare Insurance

Medicare Coverage That Fits Your Needs

Medicare is essential for many Gulfport residents, but choosing the right plan can feel overwhelming. Whether you're enrolling for the first time or looking to improve your coverage, we make the process simple. At Mayfield & Associates, we help you compare Medicare options, understand your benefits, and find the best plan for your health and budget.

How We Help

Medicare offers many options, but which one is right for you? We help you compare plans, understand costs, and choose coverage that fits your health needs and budget.

  • Personalized Plan Comparisons – We break down the differences between Original Medicare, Medicare Advantage, and Supplement plans, helping you make an informed decision.
  • Guidance on Enrollment Periods – Avoid penalties by enrolling at the right time. We’ll ensure you meet deadlines and understand your options.
  • Prescription Drug Coverage Assistance – If you need a Medicare Part D plan, we’ll help you find the best coverage for your medications.
  • Ongoing Support – Need to change your plan? Have questions about coverage? We’re here to help, even after you enroll.
Medicare Plan Options

Find the Right Medicare Coverage for You

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Original Medicare (Parts A & B) 

Covers hospital stays, doctor visits, and medical care, but may leave gaps in coverage.

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 Medicare Advantage (Part C)

Private insurance alternatives to Original Medicare, often including additional benefits like vision, dental, and wellness programs.

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Medicare Supplement (Medigap)

Helps cover out-of-pocket expenses like deductibles, copayments, and coinsurance not covered by Original Medicare.

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Prescription Drug Plans (Part D) 

Helps pay for necessary medications, reducing out-of-pocket costs for prescriptions.

Frequently Asked Questions About Medicare

  • When can I enroll in Medicare?

    Most people enroll in Medicare when they turn 65. The Initial Enrollment Period (IEP) begins three months before your 65th birthday and ends three months after. If you miss this window, you may have to wait for the Annual Enrollment Period (AEP) from October 15 to December 7 or qualify for a Special Enrollment Period (SEP) based on life events like losing employer coverage.

  • What’s the difference between Medicare Advantage and Medigap?

    Medicare Advantage (Part C) replaces Original Medicare and often includes extra benefits like dental, vision, and prescription drug coverage. Medigap, on the other hand, works alongside Original Medicare to help pay for out-of-pocket costs like copays and deductibles. The best option depends on your healthcare needs, budget, and whether you prefer a more comprehensive plan or flexibility in provider choice.

  • Do I need a separate prescription drug plan?

    If you enroll in Original Medicare, you will need to purchase a Medicare Part D plan for prescription drug coverage. If you choose Medicare Advantage, many plans already include prescription benefits, so a separate plan may not be necessary.

  • Can I switch Medicare plans later?

    Yes! You can change your Medicare plan during the Medicare Open Enrollment Period (October 15 – December 7) each year. If you experience major life changes, such as moving to a different state or losing other healthcare coverage, you may also qualify for a Special Enrollment Period (SEP) to switch plans.

  • How do I know if I need a Medicare Supplement plan?

    If you’re enrolled in Original Medicare and concerned about high out-of-pocket costs, a Medicare Supplement (Medigap) plan can help cover those expenses. These plans are especially useful for people with frequent doctor visits, ongoing medical needs, or those who travel and want coverage nationwide.

  • How much does Medicare cost?

    Costs vary depending on the plan you choose. Original Medicare has standard premiums, but Medicare Advantage and Supplement plans vary in price. Additionally, Part D prescription drug plans have their own premiums. We’ll help you compare costs to find a plan that fits your budget.

  • Will my doctors accept my Medicare plan?

    It depends on the plan you choose. Original Medicare is widely accepted, while Medicare Advantage plans have specific provider networks. If keeping your current doctors is a priority, we’ll help you find a plan that includes them.

  • What happens if I don’t enroll in Medicare when I turn 65?

    If you miss your Initial Enrollment Period, you could face late enrollment penalties, which may increase your monthly premiums for life. However, if you have existing coverage through an employer or spouse, you may qualify for a Special Enrollment Period and avoid penalties.

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