Wishing you good health!
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OUR MISSION
At Medicare Advocacy Center, our mission is to help individuals and families find affordable and comprehensive health insurance coverage that meets their unique needs. We are committed to providing exceptional customer service and support throughout the entire process.
Medicare and the Marketplace are two distinct health insurance programs in the United States. Here is a summary of each:
Medicare is a federal health insurance program primarily for people aged 65 and older, as well as certain younger individuals with disabilities or end-stage renal disease. It provides coverage for hospital stays (Part A), medical services (Part B), and prescription drugs (Part D). Medicare beneficiaries can choose between Original Medicare, which includes Part A and Part B, or Medicare Advantage plans (Part C) offered by private insurance companies.
On the other hand, Marketplace Health Insurance is designed for individuals who don’t have health insurance through their employer or other government programs. It offers a range of private health insurance plans that meet the requirements of the Affordable Care Act (ACA). Each state has an official health insurance marketplace, operated either by the state, the federal government, or both. In most states, HealthCare.gov serves as the marketplace enrollment platform, but some states run their own platforms, such as New York State of Health, Connect for Health Colorado, MNsure, Covered California, etc. The Marketplace provides financial assistance to eligible individuals to help lower their monthly premiums and out-of-pocket costs. However, if you already have Medicare, you don’t need to join the Marketplace.
Enrollment Periods
It’s important to note that Medicare’s Open Enrollment Period (October 15–December 7) is separate from the Marketplace Open Enrollment Period (November 1 - January 15). During Medicare’s Open Enrollment, you can join or switch Medicare health and drug plans or switch to Original Medicare.
If you have Marketplace Insurance coverage in addition to Medicare, you can log into your account or call the Marketplace Call Center to end your Marketplace coverage. For more detailed information about Medicare and the Marketplace, visit the official Medicare and Marketplace websites listed at the end of this page.
If you need assistance right away, please call our local office at
(585) 565-3984. We will answer any questions you have, explain the program you wish to apply for, and help you with the application and enrollment process.
www.medicare.gov (Federal Health Insurance)
www.nystateofhealth.ny.gov (NY State Marketplace)
www.healthcare.gov (Other States Marketplace)