Frequently Asked Questions
Medicare FAQ
Clear answers to common questions about Medicare coverage, costs, and enrollment.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) plans bundle hospital, medical, and often prescription drug coverage into one plan, typically using provider networks. Medigap plans work alongside Original Medicare to help cover out-of-pocket costs and allow you to see any provider nationwide who accepts Medicare. The right choice depends on your budget, provider preferences, and flexibility needs
What is a Medicare Part D prescription drug plan?
Part D plans provide coverage for prescription medications and help reduce out-of-pocket drug costs. These plans can be added to Original Medicare or paired with a Medigap plan. Each plan has a different list of covered drugs, so it’s important to choose one that includes your medications at the lowest cost.
How do I choose the right Medicare plan?
The right plan depends on your health needs, prescriptions, doctors, and budget. We help you compare Medicare Advantage, Medigap, and Part D plans to find coverage that fits your needs and supports access to care.
When can I enroll in a Medicare plan?
You can enroll during specific periods:
- Initial Enrollment Period (around age 65)
- Annual Enrollment Period (Oct 15 – Dec 7)
- Medicare Advantage Open Enrollment (Jan 1 – Mar 31)
- Understanding these timelines helps you avoid penalties and maintain coverage.
Can I see my doctor with a Medicare plan?
It depends on your plan. Medicare Advantage plans typically use networks, so you should confirm your doctor is included. Medigap plans allow you to see any provider nationwide who accepts Medicare. We help verify your doctors are covered.
How much do Medicare plans cost?
Costs vary depending on the plan and may include premiums, deductibles, copays, and prescription costs. We help you compare options so you understand total costs upfront.
Do Medicare plans cover preventive services?
Yes. Most plans cover preventive services like wellness visits, screenings, and vaccines. Many Medicare Advantage plans also include dental, vision, and hearing benefits.
Why work with an insurance broker?
A licensed broker gives you access to multiple plans at no additional cost. We provide unbiased guidance, help compare options, and support you through enrollment and beyond.