FIG. 00 — START HERE
Medicare has four parts, two main paths and a hard deadline. We map it out plainly, compare your options side by side, and help you enroll — at no cost, with no obligation.
PARTS LIST
FIG. 01 — MEDICARE COMPONENTS, EXPLODED VIEW
METRIC 01
0+
Eligibility Age
METRIC 02
0K+
People Guided
METRIC 03
0/5
Avg. Rating
METRIC 04
24/7
Support Window
Four components, four jobs. Read the spec sheets below, then let us match them to your situation.
Covers inpatient care in hospitals, skilled nursing facilities, hospice and some home health services.
SPEC LIST
Covers doctor visits, outpatient care, preventive screenings, lab work and durable medical equipment.
SPEC LIST
An all-in-one alternative from private carriers, bundling Parts A and B plus extra benefits.
SPEC LIST
Standalone drug coverage that helps lower the cost of prescriptions, with plan-specific formularies.
SPEC LIST
Share your ZIP code, doctors and prescriptions. No paperwork, no pressure.
A licensed advisor lays out the plans you qualify for, side by side, in plain language.
We handle the enrollment paperwork with you and stay available afterwards.
| Parameter | Original Medicare (A + B) | Medicare Advantage (Part C) |
|---|---|---|
| Monthly Premium | Part B premium applies [ VARIES ] | Plans often as low as $0 [ YES ] |
| Provider Network | Any provider accepting Medicare [ YES ] | Network-based (HMO / PPO) [ VARIES ] |
| Drug Coverage | Requires separate Part D [ NO ] | Usually built in [ YES ] |
| Dental & Vision | Not covered [ NO ] | Frequently included [ YES ] |
| Out-of-Pocket Cap | No annual limit [ NO ] | Annual maximum required [ YES ] |
| Referrals | Not required [ YES ] | May be required [ VARIES ] |
* COVERAGE DETAILS VARY BY PLAN AND LOCATION.
● DEADLINE ALERT
Miss it and you may wait a full year — or pay a late enrollment penalty. Review your options while the window is open.
Our licensed advisors compare plans across dozens of carriers and explain the trade-offs honestly. You decide — we just make the options legible.
You never pay us a cent — our guidance costs nothing at any stage.
Every advisor is state-licensed and trained specifically on Medicare rules.
We show the full picture, including where a plan falls short for you.
A wide national panel of carriers means more genuine choice in your ZIP code.
Questions don't stop after enrollment — and neither does our help.
"I'd read three booklets and still felt lost. One call with HelpsGuides and the whole thing finally made sense."
"They compared six plans against my actual prescriptions. I ended up saving real money every month."
"No pressure at all. They answered every question and let me take my time deciding."
Your Initial Enrollment Period spans the three months before your 65th birthday month, that month, and the three months after. Open Enrollment runs October 15 to December 7 each year.
No. Our guidance is completely free. We're compensated by carriers when someone enrolls, which never changes your premium or your options.
Original Medicare (Parts A and B) is federal coverage usable with any provider that accepts Medicare. Medicare Advantage (Part C) is a private bundled alternative, often with drug, dental and vision extras, but with a network. See TAB. 01 above for a side-by-side.
Often yes. Skipping Part D without other creditable drug coverage can trigger a permanent late-enrollment penalty added to your premium later on.
Yes. You can switch during Open Enrollment (Oct 15 – Dec 7), during the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31), or with a qualifying Special Enrollment Period.
We check your doctors against each plan's network before you decide, so there are no surprises after enrollment.
NEXT STEP
One short conversation, a clear comparison, and a plan that actually fits. No cost, no obligation.