How Calyvra Supports You
Calyvra does not administer Medicare and does not determine your eligibility. Enrollment in Original Medicare (Part A and Part B) is handled through the Social Security Administration. What we can do is help you understand how Medicare works and assist with private Medicare insurance products offered by carriers we represent.
The Parts of Medicare
A simple overview of how Medicare is organized
Hospital Insurance
Helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. This is part of Original Medicare, administered by the federal government.
Medical Insurance
Helps cover doctor visits, outpatient care, preventive services, and medical equipment. Also part of Original Medicare through the federal government.
Medicare Advantage
An alternative way to receive your Medicare benefits through private insurance carriers. Plans often bundle additional benefits. We can help you compare available options.
Prescription Drug Plans
Private plans that help cover the cost of prescription medications. We can help you review Part D options offered by carriers in your area.
Medicare Supplement
Private insurance that helps pay some out-of-pocket costs not covered by Original Medicare, such as certain copayments and deductibles.
Who Generally Qualifies
Medicare eligibility is set by the federal government
Education First, Always
Our role is to inform and guide—never to pressure. We take the time to explain your options in plain language so you can make a confident, well-informed decision about your coverage.
Medicare Enrollment Periods
Knowing the timing helps you make informed decisions
Initial Enrollment Period
A 7-month window around your 65th birthday—starting 3 months before, including your birthday month, and ending 3 months after.
Annual Enrollment Period
From October 15 to December 7 each year, when you can join, switch, or drop a Medicare Advantage or Part D plan.
Medicare Advantage Open Enrollment
From January 1 to March 31, when those already in a Medicare Advantage plan can make a one-time change.
Special Enrollment Period
Available after certain life events, such as moving or losing other coverage, that may let you make changes outside the usual periods.
Important Information
- We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
- Calyvra Insurance is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
- Availability of plans varies by carrier, county, and eligibility.
- We do not guarantee any specific savings, costs, or coverage outcomes.