Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with disabilities or qualifying medical conditions.

What are the different parts of Medicare?

Part A: Hospital insurance (inpatient care, skilled nursing, hospice).Part B: Medical insurance (doctor visits, outpatient care, lab work, preventive services).Part C: Medicare Advantage plans offered by private insurance companies.Part D: Prescription drug coverage.Medigap: Supplemental insurance that helps pay deductibles, copays, and coinsurance.

Do I need a Part D plan if I don't take medications?

Yes, unless you have other creditable drug coverage. If you don't sign up, Medicare imposes a late-enrollment penalty later when you do sign up. Most people enroll to avoid that penalty.

When can I enroll in Medicare?

Initial Enrollment Period: 7-month window around your 65th birthday.Annual Enrollment Period (AEP): Oct 15 – Dec 7 each year (for Advantage and Part D changes).Medicare Advantage Open Enrollment: Jan 1 – Mar 31 (switch or drop MA plans).Special Enrollment Periods (SEP): Triggered by certain life events like moving or losing employer coverage.

What does Medicare not cover?

Routine dental, vision, and hearing (unless in a Medicare Advantage plan)Long-term custodial careMost routine foot careCosmetic proceduresForeign travel (limited exceptions)

When is the annual enrollment period?

Medicare annual enrollment periods run from October 15th through December 7th each year.Read our full article on the annual enrollment period on our FAQ page to learn what products apply to this enrollment period.

When is the Medicare Advantage open enrollment period?

Separate from the Medicare annual enrollment period, the Medicare Advantage open enrollment period runs January 1- March 31st each year.Visit our FAQ page to read our full article on this enrollment period to learn more.

Do I need a Medicare Supplement (Medigap) plan?

A Medicare Supplement plan can help pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.

Are dental, vision and hearing services covered by Medicare?

Original Medicare generally does not cover routine dental, vision, or hearing services. Many Medicare Advantage plans offer these benefits.

Can I enroll in Medicare if I am still working?

Yes. Depending on the size of your employer and your current health coverage, you may be able to delay certain parts of Medicare without penalty.

Do your Medicare services cost anything?

No. Our Medicare consultations are free, and there is no obligation to enroll in a plan.

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Medicare supplements help cover gaps left by traditional Medicare. Unlike Advantage plans, they have no separate network, so you can visit any provider nationwide that accepts Medicare.

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Medicare Advantage is an all-in-one plan managed by private insurers. It typically covers doctor visits, hospital stays, prescription drugs, and often dental and vision.

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Medicare Part D helps cover the cost of prescription drugs. Coverage, pharmacy networks, and costs vary by plan, so comparing options helps you find the best fit for your medications.

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Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with disabilities or qualifying medical conditions.
- Part A: Hospital insurance (inpatient care, skilled nursing, hospice).
- Part B: Medical insurance (doctor visits, outpatient care, lab work, preventive services).
- Part C: Medicare Advantage plans offered by private insurance companies.
- Part D: Prescription drug coverage.
- Medigap: Supplemental insurance that helps pay deductibles, copays, and coinsurance.
Yes, unless you have other creditable drug coverage. If you don’t sign up, Medicare imposes a late-enrollment penalty later when you do sign up. Most people enroll to avoid that penalty.
- Initial Enrollment Period: 7-month window around your 65th birthday.
- Annual Enrollment Period (AEP): Oct 15 – Dec 7 each year (for Advantage and Part D changes).
- Medicare Advantage Open Enrollment: Jan 1 – Mar 31 (switch or drop MA plans).
- Special Enrollment Periods (SEP): Triggered by certain life events like moving or losing employer coverage.
- Routine dental, vision, and hearing (unless in a Medicare Advantage plan)
- Long-term custodial care
- Most routine foot care
- Cosmetic procedures
- Foreign travel (limited exceptions)
Medicare annual enrollment periods run from October 15th through December 7th each year.
Read our full article on the annual enrollment period on our FAQ page to learn what products apply to this enrollment period.
Separate from the Medicare annual enrollment period, the Medicare Advantage open enrollment period runs January 1- March 31st each year.
Visit our FAQ page to read our full article on this enrollment period to learn more.
A Medicare Supplement plan can help pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
Original Medicare generally does not cover routine dental, vision, or hearing services. Many Medicare Advantage plans offer these benefits.
Yes. Depending on the size of your employer and your current health coverage, you may be able to delay certain parts of Medicare without penalty.
No. Our Medicare consultations are free, and there is no obligation to enroll in a plan.

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