Medicare FAQs

Below are our frequently asked questions. For more information, please contact us for a consultation.

 

Q: I’m turning 65 this year and I plan to retire. When am I eligible to enroll into Medicare?
A: Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.
A: Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
A: Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.
A: Part “A” is typically in place, and a paid-up benefit when you turn 65. Part “B” is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them.
A: Yes. However, you will not have prescription coverage, and you will face unlimited exposure to those costs due to the gaps in Original Medicare.
A: You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.
A: Yes, for up to 100 days, after a required three-day hospital stay.
A: No, a retiree plan will typically wrap around Medicare primary benefits.
A: Part “D” is the Prescription Drug plan Medicare introduced in 2006.
A: In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”.
A: Part “C” is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescriptions are included).
A: Online at SSA.gov or in person at a local Social Security office.
A: This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part “D” to avoid penalty.
A: No.

What Are They Are Saying...

If you are looking for a high quality company, I highly recommend this one. They are the very best in the field, no compromise. Laurie has helped me with the setup of Medicare and continues to help me navigate through the process. She is extremely efficient and has great follow through. She is always eager to help me with whatever I need or any questions I may have. I highly recommend her.

Anne

dreaded the Medicare/ supplement insurance thing and really was clueless about what covered what. Laurie walked me through it and basically handled everything! I’m so glad not to have gone through what some of my friends have. She’s always makes time to answer my questions, I love that! She’s the best!

Karen M.

If you are looking for a high quality company, I highly recommend this one. They are the very best in the field, no compromise.

New Client

Ok, thanks so much.🙂 ALSO, would like to thank you for all your time and help you have given me through the enrollment process. I know I probably asked way too many questions. I really appreciate your patience and how thorough you have been with me. Thanks again Laurie for making this much easier for me to understand... YOU are the BEST!☺️

Thanks again, YOU have been so helpful and just want to let you know I really appreciate all the "detailed" info you have given AND for your time to give great customer service!❣️ ☺️

A big thank you for working with me, Laurie. All us peeps are very fortunate to have you as our broker. ❤️

Samantha, I appreciate you getting me back to me so quickly. Your dedication and professionalism never fail to impress me. You always provide excellent customer service. Thank you for the explanation. I've been extremely happy with my coverage and appreciate your recommendation to go with them. You've answered my questions and I know I'm in good hands with you!

Laurie, Thank you for patiently walking me through the steps of adding part B to my Medicare. You did so much more than that though. You saved me the stress of dealing with at a time when I was so emotionally depleted that one more thing on my plate would have broken me. I have enough to deal with my illness, but thanks to you, insurmountable medical bills won’t be one of them.

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