Find The Right Plan For You



Medicare is a federal health insurance program with private insurance options for U.S. adults age 65 or older and younger people who receive disability benefits.

Understanding Medicare is no walk in the park. That’s why we want to provide you with a resource that will help you confirm that you’re on the right plan, or help you switch plans if not. is not affiliated with, endorsed by, or otherwise related to the federal government, CMS, HHS, and/or Medicare.

WorkMoney partner, Chapter, can help you choose the right plan for you. Speaking with them is completely free.



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Chapter's team can help you to confirm Medicare eligibility, sign up for Medicare, search every Medicare option available, or answer any questions you have.

Call (800) 440-0497

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Schedule one-on-one time with a dedicated Medicare Advisor at Chapter.

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Frequently asked questions and answers from Chapter Advisors

Medicare has four parts and each part offers specific coverage and varies in cost. Part A covers hospital care and related services. Part B covers doctor appointments and outpatient medical care. Part C covers the same benefits of Parts A and B but is offered by private insurers. Part D covers prescription drugs.


Original Medicare

Original Medicare refers to Medicare Part A and Medicare Part B, which are managed by the federal government. People can see any doctor that accepts Medicare assignment and the government program pays a significant portion of the cost.


Read more here:

Getting started with Medicare

Medicare premiums explained

How Much Do Medicare Premiums Cost?

You’re entitled to Medicare if you’re at least 65 and a U.S. citizen, or a permanent legal resident for the past five years. Medicare also covers some people under age 65 who have a disability, end stage kidney disease (ESKD), end stage renal disease (ESRD) or ALS. 

If you’re receiving Social Security benefits when you turn 65, you'll be enrolled automatically in Medicare Part A, which covers hospital costs, and Part B, which covers doctor visits. If you want Medicare Part D prescription drug coverage, you’ll need to enroll yourself — that’s not automatic.

If you’re not receiving Social Security benefits, you’ll sign up for Medicare through the Social Security Administration website. You typically should do so in the seven-month window around your 65th birthday (which includes the three months before the month you turn 65, your birthday month, and the three months after your birthday month) to avoid permanent penalties and long waiting times for your insurance to start.

If you want Medicare Supplement Insurance, or Medigap, you would sign up during the six-month Medigap enrollment period, which starts the month you turn 65 and are enrolled in Medicare Part B. The private insurers who provide Medigap plans are required to take you if you sign up during that period. Otherwise, there is no guarantee they will sell you a Medigap plan, or they could charge you more for a plan.

How to enroll in Medicare
If you’re enrolling yourself, you can sign up in one of three ways:

Apply for Medicare online at Social Security’s site.
Call Social Security at 800-772-1213.
Contact your local Social Security office.

The online application typically takes less than 10 minutes. 

Medicare is an insurance program primarily serving people over 65 no matter their income level, and those on SSDI and with certain illnesses. Medicare is a federal program, and it’s the same everywhere in the U.S.


Medicaid is an assistance program, serving low-income people of all ages, and patient financial responsibility is typically small or nonexistent. Medicaid is a federal-state program, and it varies state to state.


Read more here: Medicare vs. Medicaid

The Medicare Open Enrollment Period lasts from October 15 - December 7 every year.

During the annual Open Enrollment Period, you can:

  • Switch from a Medicare Advantage (Part C) plan to Original Medicare (Parts A & B)
  • If you do this, you may also enroll in a stand alone Prescription Drug (Part D) plan and/or a Medigap (aka Medicare Supplement) plan
  • Switch from Original Medicare (Parts A & B) to a Medicare Advantage (Part C) plan
  • Change from one Medicare Advantage (Part C) plan to another
  • Add, drop, or change Prescription Drug (Part D) coverage

Chapter Advisors can provide you with an annual review of your coverage and help you shop around for better options. They can also help you submit any necessary paperwork, confirm your enrollment and provide you with year-round support and guidance. Your new coverage will come into effect on January 1, 2024.

Chapter is an independent Medicare advisor. They can recommend both Medicare Supplement (Medigap) and Medicare Advantage (Part C) plans, along with Part D Prescription drug plans. They can also help you enroll in Parts A & B, which are the two parts of Original Medicare.

Like many Medicare advisors, they earn a fee paid by insurance companies.

They recommend coverage options for you by searching among all available options, not just from those companies that pay them. They search among thousands of plans available nationwide to find the best plan for you.

During your phone call with a Chapter Advisor, they will ask you questions about your providers, prescriptions and priorities. Then, they’ll walk you through the Medicare decisions you need to make.


Insurance agency services are provided by Chapter Advisory LLC a licensed health insurance agency that sells Medicare products. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter Advisory LLC, WorkMoney and their respective affiliates are not connected with or endorsed by the United States government or the federal Medicare program. While Chapter Advisory LLC has a database of every Medicare plan nationwide and can help you to search among all plans, it has contracts with many but not all plans. As a result, 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 or 1-800-MEDICARE to get information on all of your options. WorkMoney may receive compensation from Chapter Advisory LLC in relation to this offer.