We understand that Medicare can be confusing. Below you’ll find answers to some of the most common questions people have. Whether you’re turning 65, already enrolled, or helping a loved one navigate their options.
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger people with disabilities or specific conditions like End-Stage Renal Disease.
If you’re already receiving Social Security benefits, you’ll be automatically enrolled in Parts A and B. If not, you’ll need to sign up during your Initial Enrollment Period.
Your Initial Enrollment Period (IEP) begins three months before the month you turn 65 and ends three months after. There are also Special Enrollment Periods and the Annual Enrollment Period (October 15 – December 7).
You may still enroll during the General Enrollment Period (January 1 – March 31), but you could face a late enrollment penalty.
Yes. If you or your spouse are still working and have qualifying coverage, you can delay without penalty and enroll during a Special Enrollment Period once that coverage ends.
Original Medicare includes Parts A and B and lets you see any doctor that accepts Medicare. You can add a separate Part D plan and a Medigap (Supplement) policy.
Medicare Advantage (Part C) is offered by private insurers and may include additional benefits like dental, vision, and drug coverage. It often requires using a provider netwo
Most people get Part A for free, but Part B typically has a monthly premium. Medicare Advantage and Part D plans may have additional costs, depending on the plan.
We can review your current coverage to see if it still fits your needs, especially during the Annual Enrollment Period or if your situation changes. We can also help you switch plans if something better becomes available.
Yes. Original Medicare includes deductibles, coinsurance, and copayments. A Medigap plan can help cover these. Medicare Advantage plans also have cost-sharing but include annual out-of-pocket limits.
Yes. Programs like Extra Help and Medicare Savings Programs can reduce costs for eligible individuals with limited income and resources.
You can compare plans based on coverage, cost, network, and additional benefits. The official Medicare Plan Finder tool at Medicare.gov is a great starting point.
Yes. You can switch plans during the Annual Enrollment Period or if you qualify for a Special Enrollment Period (e.g., moving or losing coverage).
No. Original Medicare doesn’t include drug coverage. You’ll need a separate Part D plan. Some Medicare Advantage plans do include prescription coverage.
Our licensed agents can walk you through your options, help compare plans and assist with enrollment. All at no cost to you.
No, but many people find that working with a knowledgeable agent makes the process easier and helps them avoid costly mistakes.
Absolutely. We’re here to support you not just during enrollment, but year-round for questions, reviews, and plan updates.
Our services are 100% free. You get expert guidance, plan comparisons, and personalized advice — all at no l cost to you.
When you call an insurance company, you only hear about that company’s plans. As a Medicare broker, we represent multiple carriers and help you compare options side-by-side. Our goal is to find what’s best for you.
As an ethical broker, we prioritize your needs, not commissions. In fact, it is required by law to act in your best interest, and we are trained to provide unbiased comparisons.
Yes. Medicare is a guaranteed-issue program, meaning you cannot be denied coverage due to pre-existing conditions during your Initial Enrollment Period or certain other protected times.
However, timing matters, especially with Medicare Supplement plans, which may require underwriting outside of your guaranteed window. We can help you enroll without risking higher premiums or denial of coverage.
Original Medicare generally does not cover routine dental, vision, or hearing care. However, many Medicare Advantage plans include these benefits. We can help you compare plans to ensure you get the additional coverage you need, without paying for extras you don’t.
