Medicare FAQ’s

Assuming you have met the work-related eligibility requirements, you may begin enrollment in to Medicare 90 days in advance of the month you turn 65.

Medicare does not have spousal or dependent coverage. Medicare is individual insurance. If your spouse has reached eligibility age (65), then they can enroll in Medicare of their own 90 days in advance of the month they turn 65.

Part “A” is typically in place, and a paid-up benefit when you turn 65. Part “B” is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them. If you are still on an employer plan you may not need to file for Part “B” immediately. Contact us for more details.

Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work then yes it’s an option. There are many things to consider and we strongly recommend having our agents compare your group plan benefits/cost to that of Medicare to see which is better coverage.

Yes. However, you will not have prescription coverage and you will face unlimited exposure to those costs due to gaps in Original Medicare. We strongly recommend looking closely at Medicare Advantage programs if premium costs are an issue.

Typically, yes you can. It’s important to be sure your doctor accepts Medicare. Our agents will help identify if your current doctors are in network on the plans available to you.

Yes, for up to 100 days… After a required three-day hospital stay.

Traditional Medicare does not, but many Advantage plans offer limited dental & vision coverage.

No, a retiree plan in many cases will wrap around a Medicare primary benefits. It’s important to speak with an agent to determine if your retiree benefits will work with Medicare.

Part “C” is another name for a Medicare Advantage plan. Also named MA, MSA or MA-PD (when prescriptions are included).

Part “D” is the prescription drug plan Medicare introduced in 2006.

In addition to having a huge gap in coverage, you will likely face penalties from Medicare. Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”.

Visit www.ssa.gov or in person at a local Social Security office.

This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part “D” to avoid a penalty.

No, you must choose which one is best for your needs.

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