Turning 65 or enrolling in Medicare for the first time? We're here to help you understand what comes next.

Medicare comes with new terminology, important enrollment dates, and decisions about how your coverage will work. You don’t need to become a Medicare expert overnight.

Zinn Insurance provides education and enrollment support for clients who are new to Medicare. We’ll help you understand how Medicare works, explore the options available for your situation, and navigate the steps toward enrollment.

Your Medicare Journey, Step by Step

Understand Medicare

Learn how Medicare Parts A and B work and how additional coverage can fit into your overall Medicare strategy.

Understand Your Options

We’ll explain the Medicare pathways available to you and help you understand how they differ.

Know Your Timeline

We’ll help you understand your enrollment period and the important dates you need to keep in mind.

Move Forward With Confidence

Once you understand your options, we’ll guide you through the appropriate enrollment process.

What should I do first?

Your first step is understanding when you are eligible and what your enrollment window looks like. From there, we’ll help you work through the decisions that apply to your situation.

This service is for individuals who are new to Medicare and eligible for Zinn’s Medicare support.

How does Medicare work?

Medicare is the nation’s largest health insurance program, covering health care services such as hospital stays, skilled nursing and physician services for millions of Americans. There are four parts to Medicare, each providing different types of health care services.

Understanding Your Medicare Choices

You can choose from two paths to reach the Medicare coverage you need. Here’s how:

How Medicare Drug Plans (Part D) Work in 2027

Medicare Part D helps cover the cost of prescription drugs and is available to anyone with Medicare Part A and/or Part B. You get Part D by enrolling in a standalone drug plan or a Medicare Advantage plan (Part C) that includes drug coverage.

$700

You pay 100% of drug costs until you meet your plan’s deductible (up to $700 in 2027). Some plans have a $0 deductible for certain drug tiers.

$2400

You pay up to 25% of coinsurance for medication covered in your plan’s formulary or list of covers medications. Your maximum out-of-pocket cost will be $2400.

$0

Once you have incurred the maximum out-of-pocket cost of $2400, your coverage does not end. All medications covered on the formulary from this point forward will be covered at 100%.

Restart

No matter what, everything resets on January 1, and you return to the deductible stage at the beginning of the next year.

How Medicare Drug Plans (Part D) Work in 2027

Medicare Part D helps cover the cost of prescription drugs and is available to anyone with Medicare Part A and/or Part B. You get Part D by enrolling in a standalone drug plan or a Medicare Advantage plan (Part C) that includes drug coverage.

$700

You pay 100% of drug costs until you meet your plan’s deductible (up to $700 in 2027). Some plans have a $0 deductible for certain drug tiers.

$2400

You pay up to 25% of coinsurance for medication covered in your plan’s formulary or list of covers medications. Your maximum out-of-pocket cost will be $2400.

$0

Once you have incurred the maximum out-of-pocket cost of $2000, your coverage does not end. All medications covered on the formulary from this point forward will be covered at 100%.

Restart

5 Tips for Reducing Your Pharmacy Spend

Find A Pharmacy

Review your plan’s Rx Network & pay attention to the preferred, standard, & specialty pharmacy

Stay In Network

Your medical carrier partners with select pharmacies to lower the cost of medications. If you go out-of-network, you will pay higher costs!

Stay In Network

When you receive a prescription from your doctor, you can ask for a lower-cost option such as a generic equivalent. Mail order is also a great option for maintenance.

COPAY CARDS & PHARMACY ASSISTANCE PROGRAMS

Copay cards/assistance may be available through the RX manufacturer.

Medicare GLP-1 Bridge Program

The Medicare GLP-1 Bridge is a short-term demonstration program starting July 1, 2026, offering eligible Medicare Part D beneficiaries’ access to certain GLP-1 weight-loss medications for a flat $50 monthly copay.

Covered Medications

The program covers three GLP-1 drugs specifically for weight reduction and maintenance:

Wegovy® (injection and tablet formulations)

Zepbound® (KwikPen formulation only; single-dose pens and vials are excluded)

Foundayo® (all tablet formulations)

Medicare
GLP-1
Bridge
Program

The Medicare GLP-1 Bridge is a short-term demonstration program starting July 1, 2026, offering eligible Medicare Part D beneficiaries’ access to certain GLP-1 weight-loss medications for a flat $50 monthly copay.

Covered Medications

The program covers three GLP-1 drugs specifically for weight reduction and maintenance:

Wegovy® (injection and tablet formulations)

Zepbound® (KwikPen formulation only; single-dose pens and vials are excluded)

Foundayo® (all tablet formulations)

Additional Coverage Options for Seniors 65+

Protect your smile and eyesight with affordable ancillary plans.
Protect your loved ones with coverage designed for peace of mind.
Ensure coverage for funeral costs, medical bills, and other end-of-life expenses.
Travel with confidence! Medical coverage, evacuation, trip interruption & more.
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