New To Medicare

(Taken from Website)

Your Medicare Options 

When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get Medicare: 

Original Medicare

  • Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).

  • If you want drug coverage, you can join a separate Part D plan.

    To help pay your out-of-pocket costs in Original Medicare (like your deductible and 20% coinsurance), you can also shop for and buy supplemental coverage.

Part A

Part B

You Can Add Part D

Part D

You Can Also Add 

Supplemental Coverage

(Some examples include coverage from a Medicare Supplement Insurance
(Medigap) policy, or coverage from a former employer or union.)

Medicare Advantage

(also known as Part C) 

  • Medicare Advantage is an
    "all in one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D.


  • Some plans may have lower out­-of-pocket costs than Original Medicare.

  • Some plans offer extra benefits that Original Medicare doesn't cover- like vision, hearing, or dental.

Part A

Part B

Most Plans Include

Part D

Some Plans Also Include: 

Lower out-of-pocket costs

Extra benefits

Understand Your Medicare Options - Click Below

Signing up for Medicare

Some people get Part A and Part B automatically

If you're already getting benefits from Social Security or the Railroad Retirement Board (RRB), you'll automatically get Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.)

If you're under 65 and have a disability, you'll automatically get Part A
and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.

How does other insurances work with Medicare?

When you have other insurance and Medicare, there are rules for whether Medicare or your other insurance pays first.

What if I need help paying my Medicare health care

Medicare Savings Programs
If you have limited income and resources, you may be able to get help from your state to pay your Medicare costs if you meet certain conditions.

What do I pay for Part A-covered services?

Copayments, coinsurance, or deductibles may apply for each service listed on the following pages.

What does Part B cover?

Medicare Part B (Medical Insurance) helps cover medically necessary doctors' services, outpatient care, home health services, durable medical equipment, mental health services, and other medical services. Part B also covers many preventive services. You can find out if you have Part B by looking at your red, white, and blue Medicare card. If you have it, it will be listed as "MEDICAL'' and will have an effective date. See pages 30-49 for a list of common Part B-covered services and general descriptions. Medicare may cover some services and tests more often than the timeframes listed if needed to diagnose or treat a condition.

To find out if Medicare covers a service not on this list, visit, or call 1-800-MEDICARE (1-800-633-4227 ). TTY users can call 1-87 7-486-2048. For more details about Medicare covered services, visit to view the booklet "Your Medicare Benefits." Call 1-800-MEDICARE to find out if a copy can be mailed to you.

The information below has been taken from the "2020 Medicare & You Handbook"


Phone:  (928) 474.1233

Visit Us: 620 E. Hwy 260, Suite D-3 (Behind Fargo’s Steakhouse) in Payson

More Info


Agents of Tom Russell & Associates are not connected with or endorsed by the US Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website.

To contact Medicare directly, please call

1-800-MEDICARE or 


This website serves as an invitation for you, the customer, to inquire about further information regarding Medicare plans, and submission of your contact information constitutes permission for a representative to contact you with further information including complete details on cost and coverage.

Medicare Options

© 2020 Tom Russell & Associates - All Rights Reserved
Site Proudly Built By - Razor Thin Media, LLC