Many Medicare beneficiaries don’t have a clear picture of their coverage, what plan they’re on, what benefits they have, or how to maximize their healthcare options. But understanding Medicare shouldn’t be complicated, it should be empowering and financially smart. We provide a full explanation of the various elements of Medicare, Part A, B, C, and D.

That’s where we come in. We simplify Medicare, breaking it down in clear, easy-to-understand terms so you can make confident decisions and avoid costly mistakes. The right plan can make a huge difference in your monthly expenses, and we’re here to ensure you choose wisely. Whether you're exploring coverage for the first time or reassessing your options, we’ll guide you through every plan, benefit, and enrollment detail to secure the best fit for your needs without paying more than you should. No confusion, no guesswork, just the right information to help you take control of your healthcare and your budget.

Medicare provides coverage to individuals age 65 and older, those with 24 months of Social Security Disability benefits, eligible military veterans, and Tricare for Life beneficiaries.

Hospitals direct billing to insurance companies for Medicare recipients in Panama:

HOSPITALS WITH DIRECT BILLING

BELIZE

Santa Elena:

Hospital Loma Luz

COSTA RICA

San José:

Hospital Metropolitano

ECUADOR

Loja:

Clínica San Agustín

GUATEMALA

Guatemala City:

Hospital La Paz

MEXICO

Baja California

Tijuana:

New City Hospital

Coahuila

Saltillo:

Christus Muguerza Saltillo

Jalisco

Ajijic:

Hospital San Antonio

Guadalajara:

Hospital Puerta de Hierro Andares

Hospital Puerta de Hierro Sur

Hospital San Francisco de Asís

Hospital Santa Margarita

Hospital Valle Real San José

Michoacan

Morelia:

Hospital Victoria

Nuevo León

Monterrey:

Christus Muguerza Alta Especialidad

Christus Muguerza Vidriera

Christus Muguerza Cumbres

Puebla

Puebla City:

Hospital UPAEP Christus Muguerza

Queretaro

Queretaro City:

Hospital Angeles Querétaro

Yucatan

Mérida:

Hospital Faro

PANAMA

Panama City:

Pacifica Salud

David:

Hospital Chiriquí

Hospital Mae Lewis

Medicare Program Breakdown

Medicare comprises four essential parts:

·        Part A – Inpatient hospital coverage

·        Part B – Outpatient medical services (doctors, labs)

·        Part C – Medicare Advantage (combines Parts A, B, and often D)

·        Part D – Standalone prescription drug coverage

Eligibility Overview

Medicare is available to:

·        Individuals aged 65 and older who have contributed to Medicare via payroll taxes

·        Those eligible to purchase Part A based on specific criteria

·        Individuals under 65 on Social Security Disability for at least 24 months

·        Persons diagnosed with specific chronic illnesses or conditions

Key Enrollment Periods

·        Initial Enrollment Period: 3 months before to 3 months after one’s 65th birthday

·        Disability Enrollment: After 24 consecutive months on Social Security Disability

·        Annual Enrollment Period (AEP): October 15 – December 7 (open to all)

·        Open Enrollment Period (OEP): January 1 – March 31 (plan-to-plan changes)

·        Special Election Periods (SEPs): Triggered by events such as:

1.     Relocation

2.     Loss of employer-provided coverage

3.     Medicaid eligibility

4.     Transition from Medigap to Medicare Advantage within one year

5.     Natural disasters and other qualifying life events