Medicare Made Simple
Understand Medicare with guidance from a registered nurse and licensed health insurance educator.
We explain your choices in plain language and help you find coverage that fits your needs — no pressure, just clear information.
What Is Medicare?
Part A (Hospital Insurance)
Helps pay for hospital stays, skilled nursing, and some home health care.
Part B (Medical Insurance)
Helps pay for doctor visits, outpatient care, and some preventive services.
Part C (Medicare Advantage)
An alternative plan that bundles A and B and often adds extra benefits through private companies.
Part D (Prescription Drug Coverage)
Helps pay for prescription drugs. Plans and costs vary.
Am I Eligible?
- Most people become eligible for Medicare at age 65.
- People under 65 may be eligible after receiving Social Security Disability Insurance (SSDI) benefits for 24 months.
- People with End-Stage Renal Disease (ESRD) or amyotrophic lateral sclerosis (ALS) may qualify sooner.
Citizenship/residency note: You must be a U.S. citizen or lawfully present and meet residency rules to enroll.
Your Coverage Options
Medicare Advantage (Part C)
Private plans that usually include Parts A and B and may add benefits.
Prescription Drug (Part D)
Stand-alone or part of Advantage plans to help pay for medications.
Medicare Supplement (Medigap)
Policies that help pay some out-of-pocket costs with Original Medicare.
Note: Actual costs vary by plan and area. Contact Totum for personalized guidance.
Medicare Enrollment Periods
Initial Enrollment Period (most people turning 65):
- 7 months total: the 3 months before your 65th birthday month, the month you turn 65, and the 3 months after.
- Enrolling during this period helps avoid gaps and penalties.
Other periods:
- Annual Enrollment Period (AEP): typically Oct 15–Dec 7 — for changing Medicare Advantage and Part D plans.
- Open Enrollment: limited window for certain plan changes.
- Special Enrollment Periods (SEPs): for life events such as moving or losing coverage.
Why Totum
Totum Insurance Solutions is led by a registered nurse and licensed health-insurance educator. We provide no-cost, no-obligation, education-first guidance to help you understand options and timing — including Social Security and Part B decisions — before you enroll.
Schedule Your Consultation
Book a free, no-obligation consultation with a Nurse-led advisor.
Pick a 30-minute slot for a conversation about your Medicare questions. Please note that all times are displayed in your local timezone.
If you prefer, call: 678-210-1590
Totum Insurance Solutions, LLC
Totum Insurance Solutions is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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