Medicare
Navigate Medicare with confidence. We help you understand your options and choose the right plan. Medicare Supplement plans, Medicare Advantage, and Part D prescription coverage.
Medicare FAQ
Clear answers to common Medicare questions
When can I enroll in Medicare?
Your Initial Enrollment Period starts 3 months before your 65th birthday month and lasts 7 months total. Annual Enrollment (Oct 15–Dec 7) is when you can switch Part D or Medicare Advantage plans for the next year. Special Enrollment Periods apply if you lose employer coverage or move.
Medigap vs. Medicare Advantage — what's the difference?
Medigap pairs with Original Medicare (Parts A & B) to cover deductibles and coinsurance. You can see any provider that accepts Medicare; you add a Part D drug plan separately. Medicare Advantage replaces Original Medicare with a private plan (often includes drug coverage and extras) but uses provider networks and plan rules.
Do I need Part D if I don't take medications?
You can delay Part D, but if you go 63+ days without creditable drug coverage after your Initial Enrollment Period, a late enrollment penalty may apply when you sign up later. Many people choose a low-cost Part D plan to avoid penalties.
Can I keep my doctors?
With Original Medicare + Medigap, you can see any doctor that accepts Medicare nationwide. With Medicare Advantage, you typically use in-network providers to get the lowest costs. We'll check your doctors and hospitals against plan networks for you.
How do prescriptions work on Medicare?
Drug coverage is through Part D (stand-alone) or included in many Advantage plans. Each plan has a formulary, tiers, and preferred pharmacies that affect your costs. We'll run your medication list to estimate monthly costs.
What happens if I delay Part B?
If you delay Part B without qualifying employer coverage, you may owe a permanent late enrollment penalty and have to wait for the General Enrollment Period to sign up. Talk with us before you delay to avoid penalties.
Ready to Review Your Medicare Options?
Our licensed Medicare agents compare Original Medicare + Medigap + Part D versus Medicare Advantage, check your doctors and drugs, and guide your enrollment.
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