Medicare FAQ

  • Medicare is a federal health insurance program primarily for individuals age 65 and older, as well as certain younger people with qualifying disabilities or specific medical conditions. Medicare helps cover healthcare expenses through different parts.

  • Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing care, hospice, and limited home health services.

    Part B (Medical Insurance): Covers outpatient services, doctor visits, preventive care, and durable medical equipment.

    Part C (Medicare Advantage): Private insurance alternatives that combine Parts A and B, often including drug and extra benefits.

    Part D (Prescription Drug Coverage): Optional standalone private plans that help cover the cost of prescription medication.

  • Initial Enrollment Period: A 7-month window around your 65th birthday (3 months before, your birthday month, 3 months after).

    General Enrollment Period: Held January 1 to March 31 annually for those who missed their initial window.

    Annual Election Period (AEP): Held October 15 to December 7 each year to switch, drop, or add Medicare Advantage or Part D plans.

  • Part A Costs: Most people pay $0 premiums if they or their spouse paid Medicare taxes for 10+ years. Deductibles apply per benefit period.

    Part B Costs: Requires a standard monthly premium based on income, plus an annual deductible and a 20% coinsurance.

    Supplement Costs: Medicare Advantage (Part C) and Part D plans have separate monthly premiums, copays, and deductibles that vary by carrier.

  • No. Original Medicare (Parts A and B) does not cover routine dental care, vision exams, eyeglasses, or hearing aids. However, many private Medicare Advantage plans offer these extra benefits built directly into the plan.

  • Yes. If you miss your Initial Enrollment Period and do not have "creditable coverage" (like insurance through a current large employer), you may face permanent lifelong penalties on your Part B and Part D premiums.

  • Automatic Filing: Healthcare providers usually file Original Medicare claims directly for you.

    Assistance Portal: For personalized support, plan comparisons, or claim help, you can use our secure online Medicare Consultation Form.

Healthcare decisions become increasingly important as life evolves, and navigating Medicare should never feel overwhelming. We provide clear, compassionate, personalized guidance to help you understand your options, whether you’re enrolling for the first time or reviewing current coverage, so you can choose solutions that support your health, protect your future, and give you greater peace of mind.

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