Medicare FAQ
Q: When should I enroll in Medicare Part A & B?
Q: When Should I enroll in Medicare Supplement Insurance Plans?
A: Enrolling in a Medicare supplement plan is greatly dependent on whether the plan is the right fit for you. This must be explored prior to enrolling.
If you decide that a Medicare Supplement Plan is for you, we recommend enrolling as soon as possible to avoid any underwriting implications. Typically 3 months before your 65th birthday is what we would advise.
Q: Can I still enroll in Medicare Part A or B if I missed the initial enrollment period?
A: If you miss the initial enrollment period for Medicare Part A and B, you can still enroll in Medicare A or B at a later time, but there may be enrollment periods that you have to abide by depending on your situation. All is not lost, but we recommend you connect with one of our office staff to ensure you have the right understanding of your options.
Q: When does my coverage start if I enroll for Medicare Part A & B during the initial enrollment period?
A: Your Medicare, part A, and Part B insurance will typically begin on the first day of your birth month that you turn 65. There are exceptions when this is not the case, however.
Q: When can I change my Medicare plans?
A: If you desire to make changes to your Medicare plan, your ability to do so will greatly depend on what type of Medicare plan you have. If you have a Medicare Advantage plan, you will typically be confined to the Medicare annual election period, which is from October 15 through December 7 each year.
If you have a Medicare supplement insurance policy, you can make changes whenever you would like as long as you can qualify for underwriting for that HEALTH Plan or if you have a guaranteed issue election Available to you.
Q: What is Medicare?
Q: What is Medicare Supplement Insurance or Medigap?
Q: What is the Medicare Advantage Plan?
A: Medicare vantage plan is a HEALTH Plan that is approved by the federal government to provide healthcare for Medicare beneficiaries. These plans have a contract with Medicare and are allowed to customize coverages for beneficiaries as long as these coverages meet Medicare’s standard requirements of complete coverage.
Medicare Advantage Plans are not allowed to deny the coverages that Medicare would approve if you had original Medicare.
Q: What if my employer or spouse’s employer already offers a Medicare Plan?
A: Yes, it’s recommended to enroll in Original Medicare because your employer-provided Medicare will serve as secondary insurance to Original Medicare.
Q: What is Medicare Part A?
Q: What is Medicare Part B?
Q: What is Medicare Part C?
Q: What is Medicare Part D?
Q: What is Medicare Supplement Insurance or Medigap?
Q: How much does Medicare Part A Cost?
A: If you have worked for ten years or more, you are eligible for free Medicare Part A. However, if you have worked in the United States for less than ten years, a premium will be charged.
Q: How much does Medicare Part B Cost?
A: The cost of Medicare Part B varies depending on your household’s gross income, which is updated annually and may fluctuate.
Q: How much does Medicare Part D Cost?
Q: How much does Medicare Supplement Insurance Cost?
Q: What is the difference between Medicare Supplement Insurance and Medicare Advantage?
Q: Can your employer pay for your Medigap plan?
A: If you opt for Medicare as your primary insurance over your employer’s group insurance plan, your employer generally cannot cover the costs of your Medigap plan. However, there is one exception outlined in section 105; please reach out to us for a more detailed explanation.
Q: Can your employer kick you out of your group health insurance when you turn 65?
Q: If I have employer coverage should I also get Medigap?
Q: Can you have private insurance and Medicare?
Q: What does Independent Insurance Agency mean for me?
Q: Do I need Medicare Part B if I have Retiree or COBRA insurance?
Q: Do I need to change my Medicare after I enroll in it?
Q: Is waiting to get Medigap at a later time better?
Q: I don’t take prescriptions drugs so why get Medicare Plan D?
Q: Should I wait till I retire to enroll in Medicare?
Q: Do I have to wait to change my Medicare Supplement Plan till Annual Election Time?
Q: I haven’t earned the 40 work credits do I still qualify for Medicare?
Q: Can I have an HSA and Medicare Part A?
Q: Can I change my Medicare plan during Open Enrollment?
Q: Does Medicare cover everything?
Q: When should I enroll for Medicare Advantage?
Q: Does Medicare Advantage cover prescriptions?
Q: Do I still use my Medicare card if I have Medicare Advantage?
Q: Does Medicare Advantage Cover Preventative Care?
Q: Will my current doctor take Medicare Advantage?
Q: Is Dental & Vision Covered by Medicare Advantage?
Q: Am I covered if I go to the Emergency Room?
Q: Does Medicare Advantage cover gym memberships?
Q: Can I have both Medicare Advantage and Medicare Supplement Plans?
A: Unfortunately, No. Medicare Supplements and Medicare Advantages are separate plans and you can only have one or the other. Contact our office to get more details on the right plan for you is.