Medicare Part A & B Enrollment Help in Castle Pines, CO
Original Medicare starts with Part A (hospital) and Part B (medical). Simply Insurance helps you understand what each part covers, when to enroll, and how to avoid lifelong late-enrollment penalties.
Serving Castle Pines, Castle Rock, the South Denver metro area, and clients across Colorado.
Get Your Medicare Foundation Right From the Start
Parts A and B are the foundation every other Medicare choice builds on. Enrolling at the wrong time — or skipping a part you needed — can lead to coverage gaps and penalties that follow you for life. We help you understand your situation before you commit.
Part A covers inpatient hospital stays, skilled nursing, hospice, and some home health care, and is premium-free for most people who paid Medicare taxes for at least 10 years. We help you confirm your eligibility and what it does and doesn't include.
Part B covers doctor visits, outpatient care, preventive services, and durable medical equipment, and carries a monthly premium. We walk through how Part B works alongside any other coverage you have so you know what you're paying for.
Timing matters most. We help you understand your 7-month Initial Enrollment Period, when a Special Enrollment Period may apply if you're still working with employer coverage, and how to avoid the Part B late-enrollment penalty that can raise your premium permanently.
Once your Part A and B decisions are clear, we help you see how Medicare Advantage, Medicare Supplement, and Part D coverage can fit on top — so you can plan your next step with confidence.
Frequently Asked Questions
Common questions we hear from clients — with clear, no-pressure answers.
What's the difference between Medicare Part A and Part B?
Part A covers inpatient hospital care, skilled nursing, hospice, and some home health care, and is premium-free for most people who paid Medicare taxes long enough. Part B covers doctor visits, outpatient care, preventive services, and durable medical equipment, and carries a monthly premium.
What is the Part B late-enrollment penalty?
If you don't sign up for Part B when you're first eligible and don't have other qualifying coverage, you may pay a higher Part B premium for as long as you have Medicare. We help you understand your timing so you can avoid an avoidable penalty.
Can you help me decide what to add on top of Parts A and B?
Yes. Once your Part A and B decisions are clear, we explain how Medicare Advantage, Medicare Supplement, and Part D coverage can fit alongside them, so you can plan your next step with confidence.
Related Coverage Options
Explore other ways Simply Insurance can help you compare coverage and make confident decisions.