If you’re staring down your 65th birthday and suddenly your mailbox is overflowing with Medicare mailers, don’t worry - you’re in good company. You’re not losing your mind, and no, you’re not the only one who feels like they need a PhD to figure this all out.

Let me help clear it up a bit.

I’m Darren Mack, your local independent insurance agent, and I’ve helped a lot of good folks around northeastern Kentucky and southeastern Ohio figure out Medicare without losing their patience - or their sense of humor.

What Exactly Is Medicare?

In simple terms, Medicare is a federal health insurance program primarily for folks aged 65 and older. It helps cover medical costs, but it doesn’t cover everything - despite what the brochures might suggest.

Here’s the breakdown:

  • Part A: Hospital coverage (most people get this premium-free)

  • Part B: Doctor visits, outpatient care, and other medical services

  • Part C: Also known as Medicare Advantage - private plans that include Part A, B, and often Part D

  • Part D: Prescription drug coverage

Sounds manageable, right? Until you see how many choices there are. That’s where I come in.

When Do You Need to Enroll?

You’ve got a 7-month window around your 65th birthday to enroll in Medicare (three months before, the month of, and three months after). Miss it, and you could face penalties or delays.

If you’re already collecting Social Security, you’ll likely be auto-enrolled in Parts A and B. If not, you’ll need to sign up yourself—which, yes, can be a little tricky.

Original Medicare vs. Medicare Advantage

Here’s a common question I get:

“Should I stick with Original Medicare or go with a Medicare Advantage plan?”

Short answer? It depends.

  • Original Medicare gives you flexibility to see most providers nationwide and pairs well with a Medigap (supplement) plan to cover the gaps.

  • Medicare Advantage (Part C) is typically more affordable up front, and many include dental, vision, and prescription drug coverage- but you’ll have to stick to the plan’s network.

There’s no one-size-fits-all. That’s why it’s worth having someone who knows the local options help you compare.

Prescription Coverage (Because Nobody Likes Surprises at the Pharmacy)

Even if you don’t take many medications now, Part D is worth looking into. Skipping it can mean penalties later- even if you don’t need it yet.

The good news? I can help find a plan that actually covers your prescriptions and your local pharmacy.

What About Medigap Plans?

These are supplemental policies you can pair with Original Medicare to help cover things like co-pays and deductibles. They cost more than Advantage plans but offer broader freedom and predictability.

Are they worth it? For some, absolutely. For others, not so much. Again - it’s all about finding what’s best for you.

You're Not Alone in This

I know these decisions can feel overwhelming, especially when it seems like everyone’s offering advice (and half of them are trying to sell you something you don’t need).

I want you to know: my role is to serve, not to sell. If I can help you find a plan that fits your needs, budget, and lifestyle - and do it in a way that brings a little peace to your day - that’s a win in my book.

Faith, family, and neighborly service - that’s how I try to live, and it’s how I try to work too.

Let’s Sit Down and Sort It Out

Got questions? Let’s talk. I’ll answer honestly, explain clearly, and help you make a confident choice.

Turning 65 should feel like a celebration, not a stress test. And with a little guidance, it can be just that.

DMack Insurance