Frequently Asked Questions
Do you offer free consultations?
Yes. I provide no cost, no obligation consultations to my clients. My goal and purpose is to be a resource for my community and help you find the coverage that will meet your unique situation and needs.
What is Medicare?
Medicare is a federal health insurance program that is offered to individuals who are eligible at the age of 65 or younger adults with qualifying diagnoses.
When should I start thinking about Medicare?
It’s a good idea to start learning about your options a few months before you become eligible. This gives you time to understand Medicare and compare options.
Do I automatically get Medicare when I turn 65?
Not always. Some people are automatically enrolled in Medicare Parts A and B, while others need to sign up. Your situation can depend on whether you’re already receiving Social Security benefits and whether you or your spouse are still working.
What are the different types of Medicare?
Medicare Part A generally covers inpatient hospital care. Medicare Part B covers doctor visits and outpatient medical services. Part C is Medicare Advantage plans. Part D provides prescription drug coverage. Medicare Supplements are another part of Medicare.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage and Medicare Supplement (Medigap) work differently. Medicare advantage plans provide your medicare coverage through a private insurance company. Medicare Supplement plans work alongside Original Medicare and help cover certain out-of-pocket costs. I can help you understand the differences and compare coverage options based on your individual needs.
Do I have to enroll in all parts of Medicare?
No, you can choose which part to enroll in based on your needs. Part A is typically automatic, but Part B and additional parts typically require enrollment.
Do I need prescription drug coverage?
If you don’t have other creditable prescription drug coverage, going without Part D coverage when you’re eligible could potentially result in a late-enrollment penalty later. Your medications are also an important consideration when considering plans.
Can I keep my current doctors?
That depends on the type of coverage you choose. Some plans use provider networks, while Original Medicare with a Medicare Supplement works differently. When comparing your options, we can look at your doctors, hospitals, prescriptions, and other priorities.
How much does Medicare cost?
Medicare costs vary depending on your coverage. You may have premiums, deductibles, copays, and coinsurance. Some Medicare Advantage plans have a $0 plan premium, but that does not mean your healthcare is completely free. You generally must continue paying your Medicare B premium.
Can I change my Medicare plan later?
You can typically change your insurance plan during the Annual Enrollment Period and during Special Enrollment Periods.
What if I’m still working when I’m 65?
You may or may not need to enroll in parts of Medicare at 65. It can depend on your employer coverage and other circumstances. It’s worth reviewing your situation before delaying enrollment so you understand any potential consequences.
Which insurance companies do you work with?
I work with multiple Medicare insurance carriers, allowing me to help you compare available plans rather than focusing on only one insurance company.
Can you help me if I already have Medicare?
Yes. Medicare isn’t only something to review when you first enroll. Plans and personal needs can change, so I can help you review your current coverage and understand other options that may be available.
How do I get started?
Simply contact me to schedule a conversation. We’ll talk about your situation, what matters most to you, and the Medicare options available in your area.
Still have questions?
Medicare is personal, and sometimes the easiest way to understand your options is to talk them through. I’m happy to help.