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Medicare FAQ’s

What is Medicare, and who qualifies for it?

Medicare is a federal health insurance program for people aged 65 and older, certain younger individuals with disabilities, and those with End-Stage Renal Disease.

When can I first enroll in Medicare?

You can first enroll during your Initial Enrollment Period, which begins three months before the month you turn 65 and ends three months after.

What are the different parts of Medicare?

Medicare is divided into four parts: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage), and Part D (Prescription Drug Coverage).

Does Medicare cover dental, vision, or hearing services?

  • Original Medicare typically does not cover routine dental, vision, or hearing services. However, some Medicare Advantage plans may offer these benefits.

Can I keep my current doctor with Medicare?

This depends on whether your doctor accepts Medicare or is part of your Medicare Advantage plan’s network.

Is Medicare free?

While Medicare Part A is often premium-free for those who have paid Medicare taxes, Part B and other parts usually require monthly premiums.

What is the Medicare Part B deductible for 2025?

The deductible amount changes yearly. Contact us for the latest updates on this year’s Part B deductible.

What does Medicare Part A cover?

Medicare Part A covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health services.

How do I know if I’m eligible for Medicare Savings Programs?

Medicare Savings Programs are income-based. Contact us to help determine if you qualify.

What is the difference between Medicare and Medicaid?

Medicare is federal health insurance for certain groups, while Medicaid is a state and federal program for individuals with low income and resources.

Can I change my Medicare plan after enrolling?

Yes, you can make changes during the Annual Enrollment Period (Oct 15 – Dec 7) or during special enrollment periods if you qualify.

What happens if I miss my Initial Enrollment Period?

  • If you miss your Initial Enrollment Period, you may enroll during the General Enrollment Period (Jan 1 – Mar 31), but you might face late enrollment penalties.

What services are not covered by Original Medicare?

Original Medicare does not cover long-term care, most dental and vision services, hearing aids, or routine foot care.

Are Medicare premiums based on income?

  1. Yes, higher-income beneficiaries may pay more for Medicare Part B and Part D due to Income-Related Monthly Adjustment Amounts (IRMAA).

Do I need to enroll in Medicare if I’m still working?

If you’re still working and have employer coverage, you may be able to delay Medicare without penalties, depending on your circumstances.

What is a Medicare Advantage plan?

Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers that includes additional benefits.

Should I get a Medigap plan?

Medigap policies help cover costs not paid by Original Medicare, like copayments and deductibles. They’re ideal for those who want predictable out-of-pocket expenses.

Can I switch from a Medicare Advantage plan to Original Medicare?

Yes, you can switch during specific enrollment periods, such as the Annual Enrollment Period or the Medicare Advantage Open Enrollment Period.

What is the difference between Medicare Advantage and Medigap?

Medicare Advantage plans replace Original Medicare with added benefits, while Medigap supplements the costs not covered by Original Medicare.

Are prescription drugs covered under Medicare Advantage?

Many Medicare Advantage plans include prescription drug coverage, but you should confirm the plan’s formulary to ensure your medications are covered.

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