Medicare decisions have deadlines, and some choices are hard to change later. Our licensed life and health team helps Minnesotans understand their options.
The parts of Medicare
- Part A: hospital coverage.
- Part B: doctor visits and outpatient care.
- Part C (Medicare Advantage): private plans that combine A and B, often with drug coverage.
- Part D: prescription drug plans.
- Medicare Supplement (Medigap): helps pay costs Original Medicare does not cover.
- Medicare Cost plans: available in parts of Minnesota.
Key enrollment periods
- Initial Enrollment Period: seven months around your 65th birthday — the three months before, your birthday month and the three months after.
- Annual Enrollment Period: October 15 to December 7 each year.
- Medicare Advantage Open Enrollment: January 1 to March 31 for people already in a Medicare Advantage plan.
- Medigap open enrollment: six months starting the month you are 65 or older and enrolled in Part B.
Rules and dates can change; always confirm with Medicare.gov or a licensed agent. Please do not share medical details or your Medicare number through the website form.
David Olson is a licensed Minnesota insurance producer (MN License #40937238). Intrinsic Insurance was founded in 2020 and is part of an independent insurance agency. Coverage is subject to underwriting and availability. This page is general information, not a coverage decision; your policy wording controls.
One of the things that sets Intrinsic Insurance apart is our commitment to our customers. We believe that insurance should be easy to understand and easy to use, and we strive to make the process as smooth and stress-free as possible. Our agents take the time to get to know our customers and their unique needs, so we can provide personalized coverage that meets their specific requirements. Over time, we’ve earned a reputation for exceptional customer service and expertise in the insurance industry, real estate, and construction. We’re proud to have a team of experienced agents who are dedicated to providing our customers with the highest level of service and support. Our agents are knowledgeable, friendly, and always available to answer questions or help our customers file a claim.