A clearer way to understand Medicare.
Learn the building blocks, compare the two main ways to receive coverage, and know which questions to ask before you choose.
Medicare at a glance
Each part helps cover a different kind of care. Your choices determine how these parts work together.
Hospital Insurance
Helps cover inpatient hospital care, skilled nursing facility care, hospice care, and certain home health services.
Medical Insurance
Helps cover doctors' services, outpatient care, durable medical equipment, and many preventive services.
Medicare Advantage
A Medicare-approved private plan alternative to Original Medicare. It includes Parts A and B and usually Part D.
Drug Coverage
Helps cover the cost of prescription drugs. Coverage is offered through private plans that follow Medicare rules.
Learn more from the official Medicare Parts overview.
Two main ways to receive Medicare coverage
Both paths provide Medicare Part A and Part B coverage, but the way you receive care and pay costs can differ.
Original Medicare
- Includes Part A and Part B
- Use any provider nationwide who accepts Medicare
- You may add a separate Part D plan
- You may be able to buy Medigap coverage
Medicare Advantage
- Offered by Medicare-approved private companies
- Includes Part A and Part B, usually Part D
- Provider networks or prior approval may apply
- Costs, rules, and extra benefits vary by plan
Review current options at Medicare.gov.
Timing matters
For many people, the first Medicare enrollment window begins three months before the month they turn 65 and ends three months after that month. Some people are enrolled automatically, while current job-based coverage, disability, or other circumstances can change the timing.
Missing an enrollment period may lead to a coverage gap or a late-enrollment penalty. Always confirm the dates that apply to your situation.
Check official enrollment information →Look beyond the monthly premium
The right fit depends on the care, prescriptions, costs, and flexibility that matter to you.
Talk through your questions with a local licensed agent.
Get clear, one-on-one help reviewing Medicare plan options available in the Las Vegas area.
Important: We do not offer every plan available in your area. Currently we represent selected organizations that offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.
Plan availability, benefits, costs, provider networks, formularies, and rules may change each year. Serrano Medicare Consultant is not affiliated with or endorsed by the U.S. government or the federal Medicare program. Calling this number will connect you with a licensed insurance agent.
