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FAQ
Medicare is a federal health insurance program primarily for people aged 65 and older, but also for some younger individuals with disabilities or specific diseases.
People aged 65 and older, those under 65 with certain disabilities, and individuals with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS) are eligible.
An agent can explain the differences and help you decide which parts you need.
An agent can help educate so you do not incur penalties.
Inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Doctor visits, outpatient care, preventive services, lab tests, mental health care, and some home health care.
A bundled plan offered by private insurers that includes Part A, Part B, and often Part D coverage, along with extra benefits like vision, dental, or hearing.
Prescription drugs, though each plan has its own formulary (list of covered drugs).
If you have employer-based insurance, you may delay enrolling in Part B without penalty, depending on the size of your employer.
Original Medicare (Parts A & B) does not cover routine dental, vision, or hearing services. Some Medicare Advantage plans may offer these benefits.
Medigap, or Medicare Supplement Insurance, is a private insurance policy that helps cover some of the out-of-pocket costs not covered by Original Medicare, such as deductibles, co-pays, and coinsurance.
An agent has the tools, knowledge and experience to help you make this decision.
Medicare coordinates with other insurance, such as employer coverage, retiree insurance, or Medicaid. How they work together depends on the specific situation.
The AEP runs from October 15 to December 7 each year, during which you can join, switch, or drop a Medicare plan.
You may be subject to late enrollment penalties for Part B and Part D if you don’t sign up when first eligible and don’t have other credible coverage.
You can change your plan during the AEP or a Special Enrollment Period (SEP) if you qualify due to certain life events.
Protect your Medicare number, review statements for errors, and report suspicious activities to Medicare or the Senior Medicare Patrol.