Medicare guide

Key Medicare Resources (Verified 2025)

This page was written for 2025. Medicare costs and limits change every January, so check Medicare.gov for this year’s figures before you rely on one.

Medicare.gov Resource Links

Osprey Retirement Solutions • Official Medicare & SSA Links

All links point to current official pages from Medicare.gov, SSA.gov, CMS, or state agencies.

Apply Online for Medicare Part A & Part B (SSA)

Apply Online for Part B Only (Special situations)

Should I get Parts A & B?

Part A – Hospital Insurance (What’s Covered)

Part A – Costs

Part B – Medical Insurance (What’s Covered)

Part B – Costs

Part B IRMAA (Income-Related Monthly Adjustment Amount)

Part B – Late Enrollment Penalty

Part B – Preventive & Screening Services

What’s NOT covered by Parts A & B

Part C – Medicare Advantage (Overview)

Part D – Prescription Drug Coverage

Part D IRMAA (Income & Drug Premiums – PDF)

Part D – Late Enrollment Penalty

Apply for Extra Help (Part D low-income subsidy)

Understanding Medicare Enrollment Periods (PDF)

Replace/Print Your Medicare Card

Change Your Address (SSA)

Apply for Medi-Cal (California)

Apply for Medicaid (Outside California)

Create a Medicare.gov Account

Medicare Made Easy, Medicare Made Simple.

If you feel like you have been spinning your wheels wondering how to make the best decision when it comes to your Medicare plan, you are in the right place. The good news is, you don’t have to do this alone. We are in the business of helping people understand Medicare, in simple, plain terms that everyone can understand. We believe it’s important that your first understand Medicare itself. You can’t understand your Medicare options until you first understand basic Medicare benefits. Fortunately, we’ve mastered how to make it simple.

Medicare & You 2026

The official U.S. government Medicare handbook

Download Medicare & You from Medicare.gov (PDF, the current edition)

The first step

Start with a conversation

Tell us where you are and what you are trying to work out. No preparation needed.

Call (772) 280-4597
  1. Send the form, or call
  2. Your first conversation starts with Discovery

Prefer to listen first?

Come to a seminar and ask your questions in person.

See the seminar evenings