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Are you eligible for Medicare? Discover Your Options and Apply for Medicare

Welcome to the world of Medicare, where you can explore various health coverage options tailored to meet your needs, including opportunities to enroll in Medicare Part C or D. Whether you are seeking information on enrolling, understanding the different parts, or knowing your eligibility, we have you covered.

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Medicare Health Insurance Basics

Medicare Advantage provides additional benefits beyond Original Plans, showcasing expanded coverage. Enrolling in Original Plans allows you to access essential coverage such as hospital stays, doctor visits, and preventive care. Supplement Insurance complements Original Plans by covering various out-of-pocket expenses, ensuring a more well-rounded healthcare coverage plan.

Enrolling in Medicare

When you enroll, you receive a red, white, and blue card that symbolizes your entry into coverage benefits.

Exploring Part A and Part B

Medicare Part A covers inpatient hospital stays, while Part B focuses on outpatient services like doctor visits and medical supplies. Understanding these components is crucial for maximizing your coverage.

What Does Medicare Part C Cover?

Medicare Part C combines the benefits of Parts A and B and often includes Medicare prescription drug coverage. It offers a comprehensive approach to health insurance, giving you more care options.

When to Sign Up?

Medicare enrollment typically occurs during the Initial Enrollment Period around your 65th birthday, highlighting the start of Medicare eligibility. Missing this window may result in penalties related to late enrollment, so signing up at the right time is crucial.

Eligibility and Enrollment

Are You Eligible for Medicare? Most people are eligible for Medicare when they turn 65, but there are exceptions based on disability or certain medical conditions. Knowing your eligibility status is the first step to accessing health coverage.

Understanding the Enrollment Period

Medicare's General Enrollment Period allows individuals to enroll in Parts A and B during specific time frames. Special Enrollment Periods exist for those who qualify based on certain circumstances.

Instant Answers 24/7

Get all your questions answered instantly with our AI-powered ChatBot Alfred. From eligibility and coverage to plans, our ChatBot provides personalized, easy-to-understand responses tailored to your needs. Available 24/7, you can get the information you need anytime, day or night.

Choosing the Right Coverage

While Original Medicare provides basic coverage, other options exist to consider when extending your Medicare coverage. Medicare Advantage Plans offer additional benefits, while Medicare Supplement Insurance helps fill gaps in coverage left by Parts A and B.

Eligibility and Enrollment

Medicare eligibility typically starts at 65, with some exceptions for disability or specific medical conditions. Know your eligibility to access coverage.

Benefits of Medicare Advantage Plans

Medicare Advantage Plans bundle medical, dental, vision, wellness, and sometimes prescription drug coverage into a single, comprehensive healthcare solution.

Medicare Supplement Insurance Options

Medicare Supplement Insurance plans help cover copayments, coinsurance, and deductibles for Original Medicare, reducing out-of-pocket expenses.

Additional Health Coverage and Benefits

Medicare Part D plans cover prescription drug costs. Join a standalone plan to enhance your coverage and save on medications.

Special Needs Plans

SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

Supplement Plans

Insurance sold by private insurance companies to cover Medicare’s gaps. Also called “MediGap” plans.

Medicare Savings Programs

The Savings Programs aim to help individuals with limited income and resources pay for their healthcare costs. These programs can provide valuable assistance with premiums, deductibles, and coinsurance.

Health Coverage from Employers:
Some employers offer health coverage to beneficiaries, enhancing eligibility. Understanding how these plans coordinate with your existing coverage can ensure seamless access to healthcare services.
Accessing Healthcare:
You must find healthcare providers that accept your plan to access care when needed and fully utilize your coverage. Many doctors and facilities participate in the program and can provide the required services.
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Expanded Medicare Benefits

To enhance healthcare, explore benefits beyond basic coverage, including telehealth services, preventive screenings, and chronic disease management. Integrating these additional benefits can help you make the most of your plan.

Integrating with Other Health Plans:
Understanding how these plans work together is essential to maximize your coverage if you have health insurance other than your primary plan. Coordinating coverage can minimize costs and ensure comprehensive care.

What our clients are saying

  • Testimonial: 0Testimonial: 1Testimonial: 2Testimonial: 3Testimonial: 4

    "Met with Harly to discuss changes to our health care plan. Harly was extremely helpful, took time to explain all of our options in a way that made the difficult process easy to understand. I would recommend Harly to anyone needing help with any health insurance needs!"

    John OConnor
  • Testimonial: 0Testimonial: 1Testimonial: 2Testimonial: 3Testimonial: 4

    "Harly Sushil has been an outstanding insurance agent for me for more than three years. His recommendation of the best insurance program for my needs has been ideal. Harly has also been proactive in contacting me to be sure that my insurance program still meets my needs. And when a better program came along Harly made the changeover seamless and effortless. I wholeheartedly recommend Harly Sushil for anyone needing insurance!"

    Cary Gorsline
  • Testimonial: 0Testimonial: 1Testimonial: 2Testimonial: 3Testimonial: 4

    "Harly Sushil Insurance Helps is so appropriately named. He is the BEST Medicare agent anyone would want to answer questions (and there are many) and help decide what is right for your needs. Highly recommend using him as he is truly an honest, caring agent!"

    Donna Benson

Frequently Asked Questions

Have questions? We've got answers. Here are some of the most common queries we receive about our services.

How do I apply for Medicare?

Can I apply for Medicare in person?

When should I apply for Medicare?

Are there penalties for enrolling late?

How do I apply for a Medicare Advantage or Supplement Plan?

Can I get assistance applying for Medicare?

What if I missed my Initial Enrollment Period?

When do I get my Medicare card?

Start Comparing Plans Today!

Fill out the form below to discover your eligibility and explore your options for Medicare Parts A, B, C, and D.

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7800 University Pointe Drive
Fort Myers, Florida 33907

Harly Sushil: (239) 201-4289

Harly Sushil SMS: (239) 265-8713


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7800 University Pointe Drive
Fort Myers, Florida 33907

Harly Sushil: (239) 201-4289

Harly Sushil SMS: (239) 265-8713


We do not offer every plan available in your area. To get information on all of your options, please visit Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Program (SHIP). Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Harly Sushil is a licensed and certified representative of Medicare Advantage [HMO, PPO, and PFFS] organizations [and stand-alone prescription drug plans]. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan's contract renewal with Medicare. Medicare Advantage organizations and/or Medicare Part D plan sponsors comply with applicable Federal civil rights laws and do not discriminate based on race, color, national origin, age, disability, or sex. Out-of-network/non-contacted providers are not obligated to treat Plan/Part D Sponsor members except in emergencies. Please call the Plan's customer service number or see your Evidence of Coverage for more information, including cost-sharing that applies to out-of-network services. Certain Plan/Part D Sponsors pharmacy networks may include limited lower-cost, preferred pharmacies in some areas. The lower costs advertised for these pharmacies may not be available at your pharmacy. For up-to-date information about network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call the Plan's customer service number or consult the Plan's online pharmacy directory. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or are in your Medicare Initial Enrollment Period. The standard Part B premium for 2024 is $174.70. Monthly savings vary, may be subject to processing delays, and may not be immediate. They are not available with all plans. Availability varies by carrier and location.

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