FAQ

You should speak with your employer and discuss their specific options. You may elect to delay enrollment in Part B coverage and save the monthly premium. However, you can face a financial penalty without sufficient coverage at a later enrollment date. We can discuss those details.

You are permitted to enroll 3 months before your birth month when turning 65. This is considered your “initial enrollment period” (IEP). It lasts for 7 months altogether. 3 months before your birth month, + the month your birthday is in + 3 months after your birth month. It is important to start the process early in the 7-month period to avoid lapse coverage or late enrollment penalties. Your coverage can start on the first day of your birth month if enrolled in time.

That is the reason you want to consider all your options available as you select your carrier and plan within their options. I will provide you with several options after researching with your specific health needs. You can then make an informed selection. You may also visit the Medicare website for full information on all options available at any time.

This is a second layer of coverage that impacts your deductibles and coinsurance. They can be selected with a specific monthly cost. You then must select a Part D plan for your prescription drug needs or face a financial penalty.

Original Medicare includes Medicare Part A and Part B coverage. Part A coverage is basically your hospital coverage and Part B coverage is your medical coverage. There are deductibles and limits within these plans.

Medicare is regulated by Federal and State laws. National coverage is evaluated and decided by Medicare regarding what is covered. Further, specific location impacts coverage by private insurance companies related to what is available or covered. This is why detailed evaluation should precede your decisions.

Commonly called Part C plans, these additional coverage plans are from private insurance carriers. Within your Plan C options, you will find a variety of options that may add coverage for extra benefits such as vision, hearing, and dental. You may also find differences in out-of- pocket limits, deductibles, and copays… You should consider all medical needs as you look at these plans. It is also common for these Advantage plans to bundle coverage that includes prescription drug coverage plans and could modify your Part A and B coverage details.

If you are collecting monthly social security, it will happen automatically. If you are not collecting, you can go to Medicare.gov or call your social security office. Ultimately, you are seeking to obtain your Red, White, and Blue Medicare card with your specific Identification Number.

Healthcare advisors are required to be licensed by each state in health insurance. Each carrier also requires specific training on their health plans and options. By using an Independent Health Insurance Broker, you get input from someone that has been licensed and then trained with multiple insurance carriers to look at your health care needs. We always will provide you with plan options for your needs and never attempt to focus you into only the plans that we may not offer. If our research points to options we do not represent, we will let you know about those options and never attempt to keep you from those selections.

Part D coverage is focused on prescription drugs. Here you will find lists of drug tiers and formulary lists. Insurance carriers can have different drug lists which could impact your cost for specific drugs. Careful review is important. Insurance carriers can also have various pharmacy chains as preferred providers on their plans.

This can be a long answer but “yes”. There are specific opportunities to reevaluate your selection. Most importantly, this happens every year during the “Annual Enrollment Period” (AEP) which is October 15 th to December 7 th . I can help you understand other options for the full answer.

No, healthcare advisors are not permitted by law to charge for their services. While they do get paid, Medicare establishes a specific allowance for these commissions through the insurance carrier. There is no direct cost to our clients.

Medicare is an individual plan. You and your spouse could have the same carrier and plan potentially, but that decision should be dependent on the health care needs for each of you. You may find it beneficial to select different options.

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