MEDICARE & INSURANCE FAQs
General
What is Medicare?
Federal health insurance for people 65+ and some younger with disabilities or specific conditions. Parts A (Hospital), B (Medical), C (Advantage), D (Drugs).
When should I enroll?
Initial Enrollment Period is 7 months around your 65th birthday. Missing it can trigger penalties.
Original Medicare vs. Advantage?
Original = Parts A & B (add Medigap/Part D if desired). Advantage = private plan combining A, B, and usually D, often with extra benefits and provider networks.
What is Medigap?
Private coverage that helps pay Medicare deductibles/coinsurance.
Best time to buy?
6-month Medigap Open Enrollment (starts when you’re 65+ and Part B is active). No medical underwriting in this window.
Do I need Part D if I don’t take meds?
Usually yes, unless you have other creditable drug coverage; delaying can add a lifetime penalty.
What’s the “donut hole”?
A coverage stage where you pay a larger share until reaching catastrophic coverage (plan-year thresholds apply).
Can I change plans later?
- AEP: Oct 15–Dec 7 (changes effective Jan 1)
- OEP: Jan 1–Mar 31 (MA members can switch MA plans or go back to Original Medicare)
- SEPs: For moves, Medicaid status changes, loss of employer coverage, etc.
Does Medicare cover dental/vision/hearing?
Original Medicare generally does not; some MA plans do.
What if I move states?
MA/Part D availability is local; moving triggers an SEP to choose a new plan.
Do you charge a fee?
No. Consultations and plan reviews are no-cost. We’re paid by carriers if you enroll; your premium is the same whether you go direct or through us.
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