Common Medicare Questions Answered Here

My services are completely free to you. I am compensated directly by the Medicare insurance company you choose once you enroll in a plan. My compensation is the same regardless of which plan you choose, ensuring you receive unbiased guidance.

I am an independent, licensed insurance agent certified to offer ACA Marketplace Individual/Family plans , Medicare Advantage (Part C), Medicare Prescription Drug (Part D), and Medicare Supplement (Medigap) plans from multiple carriers. I only offer plans from the carriers I have been contracted and certified to represent in your specific service area.

I begin with a confidential needs assessment to understand your doctors, prescriptions, and budget. Then, I compare the plans I offer in your area side-by-side to help you find the one that best meets your needs. I then assist with the enrollment process.

A: Enrollment depends on your specific situation. The main enrollment periods are:

* Initial Enrollment Period (IEP): When you first become eligible for Medicare.

* Annual Enrollment Period (AEP): Every year from October 15 to December 7.

* Special Enrollment Periods (SEPs): For people with specific life events (e.g., moving, losing coverage). Contact me to see if you qualify.

Absolutely not. Enrollment is a personal decision, and there is no pressure or obligation to enroll at any time. I am here to provide information and guidance.

Original Medicare (A & B) is run by the government and gives you broad access to doctors nationwide, but it has no yearly out-of-pocket maximum. Medicare Advantage (Part C) is offered by private companies and often includes Part D, plus extra benefits like dental/vision, and limits your annual spending (out-of-pocket maximum), but usually requires you to use a network of doctors.

Medigap helps cover the costs (like copays and deductibles) left over by Original Medicare (Parts A & B). No, you cannot have Medigap and Medicare Advantage at the same time. You must choose one path: Original Medicare + Medigap, OR a Medicare Advantage plan.

Yes, if you choose Original Medicare (even if you have a Medigap plan), you must buy a separate Part D Prescription Drug Plan. No, if you choose a Medicare Advantage plan, as most of these plans already include your drug coverage (MAPD).

Original Medicare (Parts A & B) generally does not cover routine dental, vision exams, or hearing aids. Most people get coverage for these services by enrolling in a Medicare Advantage (Part C) plan, which often bundles these "extra benefits" into the plan.

Yes, help is available for those with limited income and resources:

• Medicare Savings Programs (MSPs): State programs that can help pay your Part B premium and other cost-sharing amounts.

• Extra Help (Low-Income Subsidy/LIS): A federal program that significantly lowers or eliminates your costs for Part D prescription drug coverage (premiums, deductibles, and copayments).