Frequently Asked Questions
When should I enroll in Medicare?
If you’re about to turn 65, you should enroll two to three months ahead of your birthday to ensure a smooth transition. That means your research into coverage options should start even sooner!
If you become entitled to Medicare earlier than 65 based on receipt of Social Security Disability, you’ll likely receive Medicare 29 months from the onset of your disability or your last date worked. You’ll also have three months prior to their Medicare eligibility date to make choices.
How do I decide whether to enroll in Medicare Part C instead of Part A and Part B?
There are lots of advantages to Medicare Part C—it’s simpler than original Medicare, includes prescription drugs and other important benefits that original Medicare doesn’t, and often has set co-pays so you know your costs in advance. On the other hand, the plan operates much like an HMO, so if doctor choice is your top priority, it may not be the right solution for you. We can walk you through all the considerations so that you’re confident you’re making the right choice.
Why is there no Medicare Part E?
Part E was the original Medigap plan (see next question) and is no longer available to new enrollees.
What is Medigap insurance (Medicare Parts F & G)?
Medigap is supplemental insurance that pays for things original Medicare doesn’t cover, so you qualify for Medigap coverage only if you’re enrolled in Medicare Parts A and B. Medigap insurance typically covers your out-of-pocket co-payments, co-insurance, and deductibles, but not add-ons such as prescriptions, dental care, or vision care.
Medicare Part F is no longer available to those qualifying for Medicare after 2020; Part G is the currently approved Medigap option. To make things even more confusing than they already are, Medigap has individual “plans” that are labeled A through N, similar to the naming system for Medicare “Parts.” It’s easy to get them mixed up, so ask us if you have questions.
What’s the difference between Medigap and a Medicare Supplement policy?
None—they’re different terms for the same supplemental insurance.
Will I need a standalone dental or vision plan?
If you are enrolled in original Medicare (Parts A and B), you’ll need to purchase dental and vision coverage separately. But most Medicare Advantage Plans (Part C) include or offer the option to add dental and vision benefits.
What is the Medicare Savings Program?
Federal funds are available to help qualified Medicare enrollees pay their monthly premiums and sometimes even receive additional benefits such as dental care, vision care, and over-the-counter products. Your eligibility depends on your income and assets. If you think you may qualify for the Medicare Savings Program, call us and we can evaluate your situation and help you enroll—at no charge.
What is Medicare Extra Help?
Medicare beneficiaries with low income and resources can qualify for Extra Help paying for their monthly premiums, annual deductibles, and co-payments related to Medicare prescription drug coverage. If you feel this applies to you, call us and we’ll help you with qualifying and enrolling.
Can I change my Medicare coverage once I’ve enrolled?
Yes! Each year from October 7 to December 15, all Medicare enrollees can review their coverage and decide if they want to continue with the same plan or plans for the next calendar year. We recommend you review your situation with us every year to make sure you’re getting the most of your healthcare dollar.
Some people can also make changes at different times of year depending on their circumstances, so don’t hesitate to ask us about that.Back to Top