Uncertain about Where to Start?
We are dedicated to simplifying the process and guiding you toward the best Medicare options tailored to your unique needs.
Our licensed agents provide guidance with Medicare enrollment free of charge and without any obligation!
Frequently Asked Questions
Including Enrollment Timing, Eligibility Criteria, and More
Medicare permits adjustments to your coverage during designated periods each year. Below are those dates.
Medicare has Parts A, B, C, and D. Start by learning what each part does and your choices within them.
Private insurance companies offer Medicare Advantage Plans, often leading to cost savings for beneficiaries.
Private insurance companies offer coverage to fill in the gaps left by Medicare. Also known as “Medigap” plans.
Medicare Part D covers your prescriptions and is from private insurance. We’ll explain how it works.
This occurs when beneficiaries reach their annual limits, leading to increased out-of-pocket expenses.
SNPs are Medicare Advantage Plans designed for individuals with specific health needs or circumstances.
Generally, you’re eligible if you’re 65 or older, or younger with certain disabilities,
You can enroll during the Initial Enrollment Period (IEP), which starts three months before your 65th birthday month and ends three months after it. Special Enrollment Periods (SEPs) and the Annual Enrollment Period (AEP) exist for certain circumstances.
Medicare Part A covers hospital stays, skilled nursing facility care, hospice, and home health care. Part B covers doctor visits, outpatient care, preventive services, and medical equipment. Part D covers prescription drugs. Medicare Advantage plans may offer additional benefits.
Costs vary based on income, coverage choices, and health needs. Part A is usually premium-free if you or your spouse paid Medicare taxes while working. Part B, Part D, and Medicare Advantage plans have premiums, deductibles, copayments, and coinsurance.
It depends on the provider’s acceptance of Medicare. Many doctors and healthcare facilities accept Medicare, but confirming with your providers is essential.
It depends on your healthcare needs and preferences. Some people opt for Medicare Advantage (Part C) for more comprehensive coverage, while others supplement Original Medicare with Medigap (Medicare Supplement Insurance) for lower out-of-pocket costs.
Original Medicare is a fee-for-service program managed by the federal government, while private insurance companies approved by Medicare offer Medicare Advantage plans. Medicare Advantage plans often include additional benefits and may have different costs and provider networks.
You can apply online through the Social Security Administration website, by phone, or in person at your local Social Security office. Ensure you have the necessary documents, like your birth certificate and proof of citizenship or legal residency.
Link to https://www.ssa.gov/medicare
Given the complexity of Medicare and the multitude of available plans, it’s common to feel overwhelmed and uncertain. Engaging with an independent health insurance broker can provide clarity and guidance in navigating through the various options.
Medicare has neither reviewed nor endorsed this information.
Not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
