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Frequently Asked Questions

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Do you offer free consultations to new customers?

Yes, I provide no cost, no obligation to enroll consultations because I believe that access to essential information and assistance, especially regarding something as critical as Medicare, should not come at a financial burden to anyone. My goal is to ensure that individuals can make informed decisions about their healthcare without worrying about the cost of seeking guidance. By offering free consultations, I aim to empower and support people in navigating the complexities of the Medicare system, making it more accessible and valuable for all.

What is Medicare?

Medicare is a federal health insurance program primarily for people aged 65 and older, as well as certain younger individuals with disabilities.

What are the different parts of Medicare?

Medicare has five main parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), Part D (prescription drug plan), and Medicare Supplements (e.g. Plan F, Plan G etc.).

What is the difference between Medicare Advantage and Medicare Supplements?

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare (Parts A and B) offered by private insurance companies. It often includes prescription drug coverage and additional benefits. You typically pay a monthly premium and may have network restrictions.

Medicare Supplement (Medigap) is a policy that works alongside Original Medicare, helping cover deductibles, copayments, and coinsurance. It offers more flexibility to see any doctor or specialist that accepts Medicare. You pay a separate premium but have fewer out-of-pocket costs. It doesn't include prescription drug coverage, so you need to purchase a separate Part D plan.

Do I have to enroll in all parts of Medicare?

No, you can choose which parts of Medicare to enroll in, depending on your needs. Part A is usually automatic, but Part B and additional parts require enrollment.

When can I enroll in Medicare?

Initial Enrollment Period (IEP) starts three months before your 65th birthday and ends three months after. There are also Special Enrollment Periods (SEPs) for specific circumstances. Learn more about enrollment periods:

What does Medicare cost?

The costs vary depending on the parts of Medicare and your income. Part A is often premium-free, while Part B, C, and D have monthly premiums. Additional costs may include deductibles, copayments, and coinsurance.

What does Medicare cover?

Part A covers hospital stays, while Part B covers medical services. Part D covers prescription drugs. Medicare Advantage plans (Part C) often offer additional benefits.

Can I have other insurance along with Medicare?

Yes, you can have supplemental insurance, like Medigap or employer-provided coverage, to help cover costs that Medicare doesn't.

What is the "Medicare coverage gap" or "donut hole"?

The coverage gap applies to Part D prescription drug plans, and it's a phase in which you pay a higher percentage of your drug costs. This gap is reducing due to changes in healthcare laws.

How do I change my Medicare coverage or switch plans?

You can typically change your Medicare coverage during the Annual Enrollment Period (AEP) or during certain Special Enrollment Periods.

What is Medicare's relationship with Medicaid?

Medicaid provides assistance to low-income individuals, and some people are eligible for both Medicare and Medicaid, which is called "dual-eligible."

Do I need Medicare if I have private health insurance through my employer?

If you're still working and have employer-provided insurance, you may not need to enroll in Medicare immediately. Speak with your HR department for guidance.

What is the "Medicare Part B penalty" and how do I avoid it?

The Part B penalty occurs if you don't enroll in Part B when you're first eligible and later decide to enroll. To avoid the penalty, enroll during your Initial Enrollment Period. You may also avoid the penalty as well if you delayed enrollment into Part B due to still being covered by a group health insurance plan. 

How do I ensure my preferred doctors are in-network?

You are welcome to use the website to find doctors and facilities that accept Medicare. If you want to verify, you may also reach out to me directly.

What is the Medicare "Open Enrollment Period"?

The Medicare Open Enrollment Period allows you to make changes to your Medicare Advantage or Part D coverage each year.

Remember that Medicare rules and policies change often, so it's essential to check the latest information from the official Medicare website or consult with me as a Licensed Insurance Agent for guidance.

George Josten - Headshot
George Josten - Headshot
George Josten - Headshot
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