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Personalized guidance for your Medicare options.

If you or someone close to you is nearing retirement, turning 65, or just looking for general information about Medicare, turn to M3 Elevate for insight and guidance around Medicare Advantage, Medicare supplement insurance, and Medicare Part D Prescription Drug plans. M3 is your source for the right coverage, carriers, value, and price.

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Stay informed with Medicare insights.

From enrollment timelines and coverage options to Medicare Advantage and prescription drug plans, our Medicare Insights articles break down complex topics into practical guidance you can use with confidence.

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Why Choose M3 Elevate for Medicare?

We’ll assess your healthcare needs and budget to recommend best options.

We’ll compare different plans to ensure you get the best value and coverage.

We’ll guide you through the enrollment process, making it as smooth as possible.

We’ll provide ongoing support.

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Medicare, without the guesswork.

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Medicare timing doesn’t have to be complicated—this quick yes-or-no guide can help you find your path.

Generally, Medicare is for people 65 or older. You may be able to get Medicare earlier if you have a disability, End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant), or ALS (also called Lou Gehrig’s disease). Check out Medicare.gov for more information on eligibility.

Generally, we advise people to sign up for Medicare when they’re first eligible to avoid a gap in coverage and/or late enrollment penalties. For most people, Medicare eligibility starts three months before turning 65 and ends three months after turning 65. Some people get Medicare automatically. Visit Medicare.gov for more on eligibility and enrollment

The Social Security Administration handles Medicare eligibility and enrollment. You can contact the Social Security Administration at 1-800-772-1213 to enroll in Medicare or enroll on the website www.ssa.gov .

Medicare Part A helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. You must meet certain conditions to get these benefits.

Medicare Part B helps cover the cost of medical services like doctors’ services, outpatient care, and other medically necessary services that Part A doesn’t cover. Part B is optional depending on your current situation.

A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.

Medicare Part D is Prescription Drug Coverage. Since January 1, 2006, everyone with Medicare, regardless of income, health status, or prescription drug usage has had access to prescription drug coverage.

Private insurance that fills “gaps” in Original Medicare, such as copayments, coinsurance, and deductibles. It requires Part A and B, allows you to see any provider accepting Medicare, and does not cover prescription drugs. The best time to enroll is during your 6-month Open Enrollment Period to avoid medical underwriting.

Understanding Medicare Parts

Medicare Part A
Covers hospital stays, skilled nursing care, and some home health services.
Medicare Part B
Covers doctor visits, outpatient care, and preventative services.
Medicare Part C
Medicare Advantage, an alternative to Original Medicare that includes Part A and B, often with additional benefits.
Medicare Part D
Prescription drug coverage.

Please Note: We do not offer every plan available in your area. Currently we represent 15 organizations which offer 76 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local state health insurance program to get information on all of your options.