Our mission is to make Medicare easier to understand while helping every client feel informed, supported, and confident in their healthcare coverage decisions. Whether you’re turning 65, retiring, helping a loved one, or reviewing your current plan, Masshealthquote is here to guide you every step of the way.
A and B are Original Medicare, run by the federal government. C and D are private plans you can add. Click any card.
Inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay $0 premium for Part A if they or a spouse paid Medicare taxes for 10+ years.
Doctor visits, outpatient care, preventive screenings, and durable medical equipment. The standard 2026 premium is set by Medicare and adjusted yearly.
Private plans that bundle A and B (and usually D) into one package. Often include dental, vision, hearing, and fitness benefits Original Medicare doesn't cover.
Stand-alone drug plan that pairs with Original Medicare. Drugs sit in tiers — generic, preferred brand, specialty — that determine your copay.
Miss an enrollment window and you could face penalties added to your premium for the rest of your life. Here are the dates.
Two key windows repeat every year:
Starts 3 months before your birth month, includes your birth month, and continues 3 months after. This is your most important window — do not miss it.
Anyone on Medicare can add, drop, or switch coverage. Changes take effect January 1.
If you’re on a Medicare Advantage plan, you can switch plans or return to Original Medicare. One change only.
Moving, losing employer coverage, or qualifying for Extra Help. Usually a 2-month window.
Your one-time guaranteed-issue window. Insurance companies cannot deny you or charge more for pre-existing conditions.
If you delayed Part B because you had qualifying employer coverage, this is your penalty-free window to sign up.
Miss an enrollment window without qualifying coverage and Medicare adds a penalty to your premium for life. Here’s how it works.
If you don't sign up for Part B when first eligible — and you don't have qualifying employer coverage — your monthly premium goes up by 10% for each full 12-month period you delayed.
Go 63 or more consecutive days without Part D or other creditable drug coverage and Medicare adds a penalty for every month you went without.
The simplest path: enroll during your IEP, the 7-month window around your 65th birthday. If you have employer coverage past 65, sign up within 8 months of losing it.
Parts A and B leave real gaps. The good news: most of these can be addressed by adding Part C, Part D, or a Medicare Supplement.
Whether you are turning 65, reviewing your current coverage, comparing prescription drug options, or helping a loved one understand Medicare, Almond Insurance is here to provide clear answers and no-pressure guidance.