Medicare for the Latino community
Medicare, made clear no fine print
You turn 65 and suddenly everyone is mailing you letters. Part A, B, C, D, Medigap... Let's talk straight: we walk you through each part, in plain language, so you can calmly choose the coverage that actually fits you.
65
Eligibility age for most people
4
Parts of Medicare (A, B, C and D)
7 months
Initial enrollment window around your 65th
What is Medicare?
Medicare is the federal health insurance program for people age 65 and older (and some younger people with certain disabilities). It has four parts: Part A covers hospital care, Part B covers medical services, Part C (Medicare Advantage) is a private alternative that bundles A and B (and usually D), and Part D covers prescription drugs.
"Original Medicare" is Part A and Part B together, run directly by the government. From there you choose your path: stay on Original and add a Medigap (supplement) plus a Part D plan, or switch to a Medicare Advantage plan. These are two separate paths and they do not combine with each other.
Latin Prime is an independent agency. We sit down with you, explain the options we do offer in your area, and guide you so you decide, with the full picture and in your language.
Advantage (C) vs Medigap: two paths, they don't combine
This is the big decision. There's no single "best" for everyone; it depends on your health, your doctors and your budget.
Advantage and Medigap are not used at the same time: you pick one path. Switching later can come with conditions, so it pays to choose well from the start.
How we do it together
No rush, at your pace. You decide in the end.
We talk through your situation
Your age, your health, your trusted doctors, your medications and your budget.
We check your enrollment windows
Initial enrollment covers the 3 months before you turn 65, your birthday month, and the 3 months after. We watch the dates to avoid late-enrollment penalties.
We compare your options
We look at Advantage vs Medigap and confirm your doctors and medications fit the plan.
You enroll with confidence
We process it with you and stay your point of contact for future questions.
Why review your Medicare with us
- We explain each part (A, B, C, D and Medigap) in plain language, no jargon and no fine print.
- We compare Advantage vs Medigap with you based on your health, your doctors and your budget.
- We check that your medications and doctors are covered before you enroll.
- We flag your enrollment windows so you don't get hit with late-enrollment penalties.
- We're an independent agency: the goal is your peace of mind, not pushing one plan.
- Family-friendly guidance: often it's the kids helping mom or dad decide.
Common mistakes we help you avoid
- Missing your enrollment window and getting stuck with a lifetime late-enrollment penalty.
- Choosing a plan without confirming your trusted doctors are in the network.
- Forgetting Part D and ending up with no drug coverage (with a possible separate penalty).
- Assuming Advantage and Medigap can be held together: they are separate paths.
- Picking only the lowest premium without looking at the copays when you actually get sick.
Is this for you?
It makes sense if...
- You're turning 65 soon, or already have, and don't know where to start.
- You have Medicare but don't understand what it covers or what you'd owe.
- You're stuck between a Medicare Advantage plan and a Medigap.
- You're helping your parents or an older relative organize their coverage.
- You want to make sure your doctors and medications are covered.
Maybe not yet if...
- You're well under 65 and don't have a qualifying condition.
- You already have coverage through your job and don't plan to change it now.
- You're looking for life insurance or final expense (that's a different talk, and we help with that too).
Free consultation
Talk to an advisor, free and in your language
Leave your info and a licensed advisor will contact you to review your options. No obligation.
- 100% free consultation, no obligation
- We help you in Spanish or English
- ITIN accepted — no Social Security number needed
- We reply within 24 hours
Tell us your case
Fill out the form and we will contact you for your free consultation.
Frequently asked questions
What age can I enroll in Medicare?
Most people qualify at age 65. Some younger people with certain disabilities may also qualify. Your initial enrollment covers the 3 months before you turn 65, your birthday month, and the 3 months after.
What's the difference between Advantage and Medigap?
Medicare Advantage (Part C) is a private plan that bundles A and B, almost always with drugs included, and usually uses a network. Medigap is a supplement that covers Original Medicare's gaps and works with any doctor who accepts Medicare; drugs are handled separately through Part D. They are two distinct paths and do not combine.
What happens if I enroll late?
If you don't enroll when you're first eligible and don't have a valid exception (like active coverage through a job), you could face late-enrollment penalties added to your premium, in some cases for life. That's why we review your dates with you.
Do I need Part D if I already have Advantage?
Most Medicare Advantage plans already include drug coverage (Part D). If you stay on Original Medicare with a Medigap, Part D is enrolled separately. We review this based on the path you choose.
Will my doctors and medications be covered?
It depends on the plan. Before you enroll, we confirm your trusted doctors are in the network and your medications are on the covered list, so there are no surprises.
Is Latin Prime affiliated with Medicare or the government?
No. We are an independent insurance agency; we are not affiliated with or endorsed by the federal government or Medicare. We help you understand and compare the options we do offer in your area.
Educational content; not legal, tax or health advice. Latin Prime Financial Group is an independent insurance agency; we are not affiliated with or endorsed by the federal government or Medicare. 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 call 1-800-MEDICARE to get information on all of your options. Eligibility and coverage are subject to each plan's rules and to each insurer's approval.
Let's talk through your Medicare, calmly
No pressure and in your language. We explain your options and you decide.