Frequently asked Questions

What is Medicare, and how does it work?

Medicare is a federal health insurance program for people aged 65 and older, as well as certain younger individuals with disabilities. It consists of several parts to cover different healthcare needs.

When can I enroll in Medicare?

You can enroll during your Initial Enrollment Period (IEP) when you turn 65, during the Annual Enrollment Period (AEP) from October 15 to December 7, or during a Special Enrollment Period (SEP) if you qualify.

What is the difference between Original Medicare and Medicare Advantage?

Original Medicare includes Parts A (Hospital Insurance) and B (Medical Insurance), while Medicare Advantage (Part C) is a private insurance alternative that bundles Parts A, B, and often D (Prescription Drugs).

What is Medigap, and why do I need it?

Medigap is a supplemental insurance plan that helps cover costs not included in Original Medicare, such as copayments, coinsurance, and deductibles.

How do Prescription Drug Plans (Part D) work?

Part D plans cover prescription medications. You can add this plan to Original Medicare or choose a Medicare Advantage plan that includes drug coverage.