Medicare Made Simple: A Local Guide for Lynchburg, VA Residents

If you’re approaching age 65 or already enrolled in Medicare, you’ve probably realized one thing quickly: Medicare isn’t as simple as it sounds. With multiple parts, plan options, enrollment periods, and changing rules, it’s easy to feel overwhelmed.

That’s where Hodges Insurance Agency comes in. As a trusted local insurance agency in Lynchburg, VA, we help individuals and families understand Medicare clearly—so they can make confident decisions about their healthcare coverage.

Understanding the Basics of Medicare

Medicare is a federal health insurance program primarily for individuals age 65 and older, as well as certain younger individuals with disabilities. It’s made up of several parts, each covering different healthcare needs:

• Medicare Part A – Hospital insurance

• Medicare Part B – Medical insurance (doctor visits, outpatient care)

• Medicare Part C (Medicare Advantage) – An alternative to Original Medicare offered by private insurers

• Medicare Part D – Prescription drug coverage

Knowing how these parts work together—and which ones you actually need—is key to avoiding coverage gaps and unnecessary costs.

When Should You Enroll in Medicare?

Timing matters with Medicare. Missing an enrollment window can lead to lifelong penalties or delayed coverage.

Your Initial Enrollment Period begins three months before the month you turn 65 and lasts for seven months. There are also Annual Enrollment Periods and Special Enrollment Periods that may apply depending on your situation.

At Hodges Insurance Agency, we help Lynchburg residents understand when to enroll and what steps to take, so nothing gets missed.

Choosing the Right Medicare Coverage

One of the most common questions we hear is:
“Should I choose Original Medicare or a Medicare Advantage plan?”

The answer depends on your healthcare needs, budget, and lifestyle. There’s no one-size-fits-all solution.

We take time to:

• Review your doctors, prescriptions, and healthcare needs

• Explain plan options in plain language

• Compare coverage and costs

• Help you choose a plan that truly fits your life

Our job is to educate—not pressure.

Why Work With a Local Medicare Agent?

Medicare plans can change every year. Premiums, benefits, and provider networks may look different from one enrollment period to the next. Having a local Medicare agent in Lynchburg, VA means you have someone you can call when questions come up—not a call center across the country.

At Hodges Insurance Agency, we:

• Provide ongoing support after enrollment

• Help review your coverage annually

• Answer Medicare questions year-round

• Advocate for you as your needs change

We build relationships, not just enrollments.

Serving Lynchburg and Central Virginia with Care

Medicare decisions affect your health, finances, and peace of mind. That’s why we’re proud to help our neighbors throughout Lynchburg and the surrounding Central Virginia area navigate Medicare with clarity and confidence.

Let’s Talk Medicare

Whether you’re new to Medicare, reviewing your current plan, or helping a loved one understand their options, Hodges Insurance Agency is here to help.

Visit hodgesinsuranceagency.com or contact us today to schedule a conversation and take the stress out of Medicare—with guidance you can trust, right here in Lynchburg, VA.