Having questions about Medicare is understandable. That’s why we have an amazing team to help guide you through all your questions. If you’d like a one-on-one experience with one of out Client Service Team members or one of our Agents feel free toto call us.
Our most common questions are listed below. You can click on each question and you will be directed to a descriptive post that will be able to relieve you of some of that confusion.
Frequently Asked Questions
- What is Medicare?
- How do I apply for Medicare?
- How much does Medicare cost?
- What is a Medicare Supplement Plan?
- What is a Medicare Advantage Plan?
- Which Medicare Supplement Plan is best?
- What is Part D, and do I need it?
Below are a few FAQs that are able to be summarized into a short answer. You can also follow the links to get more information on that question.
Is Medicare in every state?
Yes, it is. It is a national health insurance program for people aged 65 and older and certain younger individuals with disabilities.
Isn’t Medicare free?
No. Most people have already pre-paid for Part A by the time they turn 65. Your FICA taxes during your working years go to pay for that. Parts B and D have premiums that you pay when you enroll.
I have Employer Coverage; do I need Medicare?
If you are currently employed by a Large Company, meaning your company have 20+ employees, Medicare would be secondary. This means you could enroll into Part A and delay Parts B and D. If you work for a small employer with less than 20 employees, then Medicare will be primary so you should enroll in it during your initial enrollment period.
What is a Medicare HMO Plan?
A Medicare HMO plan is a form of an Advantage plan. HMO are quite common due to their usually low monthly premiums, some even being as low as $0. The application for these types of plans are quite short, only having one medical question. Also, HMO plans have a network of primary care physicians. Meaning you will need to make sure your doctors are within your plan. For more information, click here.
Can I have both a Medicare Supplement and an Advantage Plan?
No, you cannot. The reason why you are unable to have both and why you don’t need both is because your supplement plan only pays after Original Medicare, therefore it is your secondary coverage. If you had an Advantage plan, your supplement would not pay secondary.
Does Medicare cover Dental, Vision, and Hearing?
Yes and no. Certain things are covered such as, eyeglasses after cataract surgery and injuries to your eyes. However, it does not cover routine procedures for dental, vision, and hearing. You can learn more about how we can offer you DVH coverage here.
Does Medicare cover the Shingles Vaccine?
The vaccine is not covered under Original Medicare. However, most Part D drug plan formularies include a shingles vaccine. More information about the shingles vaccine and Medicare can be found here.
Still have questions?
With Medicare, one question leads to another. If you would like to discuss your questions and concerns about Medicare, you can always call us at 1-855-732-9055 or request help using the button below.