FAQs
Our entire team of Medicare Advisors believes in building trust-based partnerships with our clients.
Medicare 101
What is Medicare and who qualifies?
Medicare is a federal health insurance program primarily for people 65 and older, but it also covers certain younger individuals with disabilities or end-stage renal disease.
When can I enroll in Medicare?
Your Initial Enrollment Period begins 3 months before your 65th birthday, includes your birth month, and ends 3 months after. There are also Annual Enrollment Periods and Special Enrollment Periods for certain situations.
Do I need to sign up for Medicare if I’m still working?
It depends on your employer’s coverage. If you have credible coverage, you may be able to delay Medicare Part B without a penalty.
What is the difference between Original Medicare and Medicare Advantage?
Original Medicare includes Parts A and B and allows you to see any doctor who accepts Medicare. Medicare Advantage (Part C) is offered by private companies and may include extra benefits like dental, vision, and hearing.
Medicare Enrollment
What is General Medicare Enrollment
he General Enrollment Period runs from January 1 to March 31 each year for those who missed their Initial Enrollment. Coverage begins July 1, and late enrollment penalties may apply.
What is Medicare Annual Enrollment
From October 15 to December 7, you can review, switch, or make changes to your Medicare Advantage and Part D plans. This is your opportunity to ensure your coverage still meets your needs for the upcoming year.
What is Medicare Special Enrollment
A Special Enrollment Period allows you to sign up for or change your Medicare plan outside regular enrollment times due to qualifying life events like retirement, moving, or losing employer coverage. The timing and length of your SEP depends on the specific situation.
What is Initial Medicare Enrollment
The Initial Enrollment Period is a 7-month window that starts three months before the month you turn 65, includes your birthday month, and ends three months after. It’s the best time to sign up for Medicare Parts A and B to avoid late penalties.
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