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Licensed • Trusted • No-Fee Service
First 2 Last Benefit Advisors
A Team of licensed Specialists/Advisors for Medicare, Turning65 (T65), Healthcare, Veteran Medicare, Life, and Final Expense needs.
Your Medicare & Veteran Healthcare Advisor
Senior & Veteran Focused
We specialize in serving seniors turning 65 and retired veterans across the nation.
Licensed Advisors
Our team is fully licensed and continually trained on the latest Medicare regulations.
No-Fee Consultation
Our guidance is always free — we’re paid by carriers, never by you.
Understanding Medicare
Medicare is a federal health insurance program for individuals aged 65 and older, as well as certain younger individuals with disabilities.
Part A — Hospital
Covers hospital insurance including inpatient care, skilled nursing facilities, hospice, and some home health care.
Part B — Medical
Covers medical insurance including doctor visits, outpatient care, preventive services, and medical supplies.
Part C — Advantage
Medicare Part C (also known as Medicare Advantage) is offered by private insurance companies and combines Part A and Part B coverage. Many plans also include Part D for prescription drugs and offer additional benefits such as dental, vision, and hearing.
Part D — Drug Coverage
Medicare Part D provides prescription drug coverage, helping reduce the cost of medications.
Medigap (Medicare Supplement Insurance)
Medigap is offered by private insurance companies and helps cover out-of-pocket costs not included in Original Medicare, such as deductibles, copayments, and coinsurance.
Benefits of Medicare Advantage
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$0 monthly premium plans available -
Dental, vision & hearing benefits -
Over-the-counter allowances -
Prescription drug coverage included -
Fitness memberships (SilverSneakers) -
Annual out-of-pocket maximum -
Dual Eligible Plans (must have Medicare & Medicaid) -
Chronic Plans available
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Initial Enrollment Period
Turning 65? Here’s Your 7-Month Window
Your enrollment window starts 3 months before the month you turn 65 and ends 3 months after.
3 Months Before
Plan ahead — coverage starts your birthday month
Birthday Month
Enroll for coverage starting that same month
3 Months After
Coverage may begin 1–3 months after enrollment
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Initial Enrollment Period
Special Benefits for Retired Veterans
Veterans deserve more. Many qualify for additional Medicare Advantage benefits on top of VA care — at no extra cost.
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Dental Coverage
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Vision Care
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Gym Membership
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Wellness Programs
Insurance Companies
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Dual Eligible Plans must have Medicare & Medicaid -
Chronic Plans available
*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS). First 2 Last Benefit Specialists are a subsidy of Minter Benefit Advisors.
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