Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.
Medicare comes with a lot of questions and that’s completely normal. We’ve put together answers to the most common questions we hear from clients every day, organized by topic so you can find what you need quickly. If you don’t see your question answered here, don’t hesitate to reach out. We’re always happy to help.
Medicare Part A primarily covers inpatient hospital services, skilled nursing facility care, hospice, and some home health services. Medicare Part B covers outpatient medical services such as doctor visits, preventive ...
Original Medicare (Part A and Part B) generally does not cover routine dental care, vision exams, eyeglasses, hearing aids, or most related services. Medicare typically only covers medically necessary services, ...
If you miss your Medicare Initial Enrollment Period (IEP) and do not have qualifying employer coverage, you may have to wait until the General Enrollment Period (January 1–March 31) to ...
There is no difference. Medicare Part C is the official name for Medicare Advantage. Medicare Advantage plans are offered by private insurance companies approved by Medicare and provide an alternative ...
Most people should enroll in Medicare during their Initial Enrollment Period (IEP), which begins three months before the month they turn 65, includes their birthday month, and continues for three ...
Many Medicare Advantage plans have a $0 monthly premium, but they are not completely free. You must continue paying your Medicare Part B premium, and you may have copayments, coinsurance, ...
An HMO (Health Maintenance Organization) Medicare Advantage plan typically requires you to use doctors and hospitals within the plan’s provider network and often requires referrals to see specialists. Out-of-network care ...
No, not every Medicare Advantage plan includes prescription drug coverage. Most plans are Medicare Advantage Prescription Drug plans (MAPDs), which combine medical and Part D drug coverage in one plan. ...
No, you cannot change your Medicare Advantage plan at any time. Most changes must be made during the Annual Enrollment Period (October 15–December 7), with coverage effective January 1. If ...
No, Medicare Supplement (Medigap) plans do not include prescription drug coverage. Medigap works alongside Original Medicare (Part A and Part B) to help cover deductibles, coinsurance, and copayments, but outpatient ...
Yes, you can switch Medicare Supplement (Medigap) plans, but approval is not always guaranteed. After your initial six-month Medigap Open Enrollment Period, most plan changes require medical underwriting, meaning the ...
Medicare Supplement (Medigap) Plan G is one of the most comprehensive Medigap plans available. It works with Original Medicare (Part A and Part B) to help cover deductibles, coinsurance, and ...
You can change your Medicare Part D plan during the Annual Enrollment Period (October 15–December 7), with changes effective January 1. You may also qualify for a Special Enrollment Period ...
If your medications are not covered by your Medicare Part D plan, review the plan’s formulary (covered drug list) to confirm whether the drug is excluded, requires prior authorization, or ...
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