Medicare Learning Center

A happy senior with her caregivers

Original Medicare vs. Medicare Advantage

Original Medicare is the standard hospital (Part A) and medical (Part B) individual coverage offered by the federal government. Original Medicare does not cover some routine services, such as vision and dental.

Medicare Advantage (Part C) plans are offered through private insurance companies, such as Optima Health. The plans offer a full range of benefits beyond the Part A and Part B coverage you get from Original Medicare.

Discover More
A senior couple enjoying a birthday party and cake.

Turning Age 65?

If you are turning age 65, you have a seven-month initial election period to enroll. This includes the three months before your birth month, the month you turn 65, and the three months after your birth month.

Enrollment Periods
A happy senior with her caregivers

Understanding Medicare Coverage for Caregivers

We help caregivers make the most out of Medicare coverage when selecting the right plan for a spouse, parent, friend, or relative. A caregiver may assist a Medicare recipient with the enrollment process. Enrolling and making medical decisions on behalf of someone requires a Power of Attorney.

Caregivers can receive guidance on what to arrange by contacting Medicare at 1-800-MEDICARE (1-800-633-4227) or Optima Health at 757-552-7174 or 1-800-648-8420.

A happy senior with her caregivers

Help with Prescription Drug Costs

People with limited resources and income may qualify for Extra Help to pay for their prescription drug costs. Extra Help is referred to as a low income subsidy (LIS) and helps pay for a part of your Part D monthly premium, annual deductible, and copayments.

Learn About Extra Help
A happy senior with her caregivers

Frequently Asked Questions

Get answers to common questions about Medicare Advantage and understanding your Optima Medicare plan options.

View Answers

Explore our Plans

Enter your zip code to search for plans in your area.

Get Started