Medicare Basics

Eligibility ⌾ Coverage ⌾ Cost ⌾ Enrollment


Medicare can be confusing and frustrating. Make Medicare Work is here to help you understand your options, avoid penalties, and pick the best plan for your health needs and budget. 


Let start with the basics...

Medicare Initial Enrollment Period (IEP) 


Your Initial Enrollment Period is probable the most important date to keep track of as you ​approaching Medicare Eligibility.

"Late Enrollment" will have you paying a Life Long Penalty 

You are first eligible to sign up for Medicare during your Initial Enrollment Period.

Medicare Initial Enrollment Period

Your Initial Enrollment Period starts 3 months before and ends 3 months after you turn 65. 

Parts of Medicare 


Medicare Part A
Medicare Part B
Medicare Part C
Medicare Part D

Coverage ⌾ Cost ⌾ Enrollment

Medicare is the federal health insurance program for people who are 65 or older, and younger individuals with disabilities and certain illnesses.  There are four parts to Medicare. Parts A and B are the original Medicare.

Medicare Part A

Parts A is hospital care. Think of this as your room and board coverage for hospitalization.

Expand to learn more about Part A

Medicare Part B

Part Bprovides medical insurance. Medigap coverage, is supplemental insurance available to help cover the gaps left by Parts A and B.

Expand to learn more about Part B

Expand to learn more about Medi-Gap

Medicare Part C

Part C—Is private insurance that works as an alternative to the original Medicare. Known as Medicare Advantage, it provides coverage for Parts A and B and may offer additional care benefits such as dental, vision and prescription drug coverage. You may also be able to find plans that offer lower cost-sharing. 

Expand to learn more about Part C

Medicare Part D

Part D—Is optional prescription drug coverage provided by private insurers. This helps with the cost of paying for prescription drugs.

Expand to learn more about Part D

Have Questions? Call our friendly team

(877) 795-9201

Meet Your Team


Hi, I’m Denise Anderson

Denise Anderson

I am a mother, a daughter and a caregiver. I believe in treating others as you want to be treated. In our agency everyone is treated like family. 


I’m the Managing Broker at Make Medicare Work (a division of J. Johnston Ins. Svc, Inc.) and a Medicare Supplement Accredited Advisor.

My agency has helped thousands of Medicare beneficiaries properly enroll in Medicare and understand their benefits options at no charge. Collectively, my team has nearly 100 years of experience.

Medicare Associations

I am a member of the Medicare Benefits Association as well as California Health Underwriters and National Health Underwriter association.


These organizations work tirelessly to help protect and improve Medicare.

Call to get all your questions answered or set up a complementary consultation

(877) 795-9201

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