– FAQ –
Frequently Asked Questions
Your Top Questions… Answered. Making Medicare Simple.
Medicare HMO vs PPO
Medicare offers a variety of Medicare Advantage plans, but two most popular types of health insurance plans: HMOs and PPOs.
Why Medicare Advantage Plans Are Bad
The perception can be that Medicare Advantage Plans are bad or meant for low-income only. It’s our opinion, they are misrepresented.
Medicare Advantage Open Enrollment (MAOEP)
The Medicare Advantage Open Enrollment Period deadline is March 31. Not sure if you’re eligible? Don’t worry, we’ve got you covered!
Am I enrolled in Medicare automatically?
You will be automatically enrolled in Medicare Parts A and B effective the month you turn 65 if you are receiving...
I have a Medicare Supplement (Medigap) plan, do I need a Medicare Advantage plan?
No. A Medicare Supplement Insurance plan may only be used in conjunction with Original Medicare (Part A and Part B). ...
Medicare Supplement Plan HD-F: What Is It & What Does It Cover?
Looking for a Medicare Supplement Plan with low monthly premiums and very low rate increases? The Medigap HD-F plan...
How Do I Learn What Medicare Covers?
Medicare has a mobile app that is a great resource for all Medicare beneficiaries and caregivers. Download for...
What are Excess Charges? Which states do not allow Medicare excess charges?
If you’re looking at purchasing a Medigap policy, you may find that some of the Medigap plans do not cover excess...
What are Medicare Guaranteed Issue Rights?
Guaranteed issue rights (also called Medigap protections) are rights that you have in a specific situation when an...
I have group insurance through my employer, do I still need Medicare?
If you continue to work you may have the option to keep your current insurance. In most cases, we find it more...
I am under 65 and disabled and I am new to Medicare, what do I do?
Medicare is available for certain people with disabilities who are under age 65. These individuals must have received...
I am over 65 and I am new to Medicare, what do I do?
Congratulations! Good for you, it is time to kick back and enjoy! If you are over 65 then you will already...
I am turning 65 and I will continue to work, what do I need to know about Medicare?
If you continue to work you may have the option to keep your current insurance. In most cases, we find it more...
I am turning 65 and I will no longer be working, what do I need to know about Medicare?
Three months PRIOR to your 65th birthday, call to ensure your enrollment into Medicare Parts A &...
Does Medicare cover me if I travel outside of the United States?
Original Medicare, Part A and Part B, does not cover medical services or items you get outside of the U.S. and its...
Will Medicare cover me if I travel to a different state?
With Original Medicare (Part A and Part B), you can travel anywhere within the United States and still be...
Do I Need Cancer, Heart Attack or Stroke Insurance?
A life-threatening diagnosis is scary enough! With Cancer Heart/Stroke insurance coverage, you get the cash...