Frequently Asked Questions

Most people sign-up at age 65 during their Initial Enrollment Period, which starts 3 months before your 65th birthday, and ends 3 months after.

Medicare Advantage plans (Part C): Combines hospital, medical, and often prescription coverage in one plan.

Medigap (Medicare supplement insurance plans): Helps pay the out-of-pocket costs left over after Original Medicare health plans

Most people don't pay a premium for Part A (hospital insurance) if they have worked and paid Medicare taxes long enough.  Part B (medical insurance) and most Medicare Advantage, Medicare Supplement, and Prescription Drug plans do have monthly premiums.

Yes, as long as your doctor accepts Medicare.  If you choose a Medicare Advantage plan, check that your doctor is in that plan's network.

You many be able to delay signing up for Part B (and avoid penalties) if you have creditable employer health coverage.  When that coverage ends, you'll get a Special Enrollment Period to sign-up.

Not under Original Medicare health care alone.  You'll need a Part D Prescription Drug Plan (PDP) that includes drug coverage.

Nothing extra.  You pay the same for a Medicare plan whether you enroll on your own or through an agent.  The difference is that a licensed insurance agent helps you compare options and makes the process easier.  licensed insurance agents receive a commission from a private insurance company.