Simplifying Medicare Together

Expert guidance for Grand Junction residents, to navigate your Medicare options with confidence

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Get Covered As Soon as You're ELIGIBLE

Just Turned 65? Find Out More About Your First Medicare Application

Turning 65 soon? Or simply thinking ahead?


Medicare enrollment comes with a 7-month window, that starts up to 3 months before your 65th birthday.


Don't leave it until the last minute. Enroll now and give yourself complete peace of mind!

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Understanding What You Get From Medicare

What Medicare Coverage Offers

Medicare is designed to help you get the care you need, but understanding what’s covered (and what isn’t) can feel overwhelming. Original Medicare (Parts A & B) covers hospital and medical services, while Medicare Advantage (Part C) and Prescription Drug Plans (Part D) offer additional benefits that can fill the gaps.


Your coverage choices affect what you’ll pay in premiums, copays, and out-of-pocket limits; so it’s important to know how each part works together.


Whether you want all-in-one convenience or freedom to choose your own providers, our qualified team at Family Bird Insurance can help you compare options and find the right balance of coverage, cost, and confidence.

Filling the Gaps in Original Medicare

Medicare Supplements (Medigap)

Even with Medicare Parts A and B, you’re still responsible for deductibles, coinsurance, and other out-of-pocket expenses. That’s where Medicare Supplement plans (Medigap) come in; helping cover what Original Medicare doesn’t, so you can focus on your health instead of surprise bills.


You can choose from several standardized Medigap plans, each offering different levels of protection. Whether you want comprehensive coverage with Plan G, or a lower-premium option like Plan N, we’ll help you compare your options and find the plan that fits your budget and lifestyle.


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All-in-One Coverage With Extra Benefits

Medicare Advantage (Part C)

Medicare Advantage (Part C) plans are an alternative way to receive your Medicare benefits — combining Parts A (hospital) and B (medical) coverage, and usually Part D (prescription drugs), into a single, convenient plan.


These plans are offered by private insurance companies approved by Medicare and often include added benefits you don’t get with Original Medicare like dental, vision, hearing, fitness, and transportation.

Medicare For Our countries heros

Veterans

If you’re a veteran with VA or TRICARE benefits, you may be eligible for extra Medicare options that add flexibility and savings, without giving up your existing coverage.


Learn how Medicare Advantage plans can work alongside your VA benefits to expand your care, add dental and vision coverage, and protect you wherever you go.

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Common Medicare Questions

We answer the most frequent Medicare questions to help you make informed decisions about your coverage options. Our goal is to clarify your choices and simplify the process.

  • I'm turning 65 this year, when can I enroll?

    You’re first eligible to sign up for Medicare during your Initial Enrollment Period (IEP).



    Your IEP is a 7-month window that includes:


    3 months before the month you turn 65

    The month of your 65th birthday

    3 months after your birthday month

  • Who is eligible for Medicare?

    Most people age 65 or older qualify for Medicare, along with certain younger individuals with disabilities or specific health conditions. Eligibility depends on your work history and residency.

  • What are the different parts of Medicare?

    Medicare includes Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage). Each part covers different services and costs.

  • When can I enroll in Medicare?

    Initial enrollment begins three months before you turn 65 and lasts seven months. There are also special and general enrollment periods depending on your circumstances.


    You can calculate when you're eligible on this page.

  • What does Medicare actually cover?

    Original Medicare includes two main parts:


    Part A (Hospital Insurance): Inpatient hospital stays, skilled nursing, and hospice care.


    Part B (Medical Insurance): Doctor visits, outpatient care, and preventive services.


    You can also add:


    Part D: Prescription drug coverage.


    Medigap (Supplement Insurance): Helps pay deductibles and coinsurance.


    Or choose an all-in-one Medicare Advantage (Part C) plan that combines everything, often with dental, vision, and hearing benefits.

  • Do I need Medicare if I have VA or employer coverage?

    Yes — most veterans and employees still benefit from enrolling in Medicare Part A at 65.


    If you have employer coverage, you can often delay Part B until that coverage ends.

    If you have VA or TRICARE, enrolling in Medicare lets you get care at non-VA facilities and helps avoid penalties later.

  • What do you help with?

    We’ll help you:


    • Compare plans available in your ZIP code
    • Check your doctors and prescriptions
    • Find options that fit your health needs and budget