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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

$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

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

Special Benefits for Retired Veterans

Veterans deserve more. Many qualify for additional Medicare Advantage benefits on top of VA care — at no extra cost.

Insurance Companies

*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.