Medicare Questions and Answers

I take Insulin. What does Medicare cover?

If you have diabetes, Medicare Part D covers these items:

What is a Medicare Supplement insurance policy?

Medicare Supplement Insurance must not discriminate in pricing or be denied on basis of health status, receipt of health care, or medical condition.

I have a pre-existing condition. Can I still use Medicare Advantage?

The Affordable Care Act (ACA), Medicare Carriers are prohibited from denying coverage or charging higher premiums based on a person's pre-existing conditions.

I'm concerned about the cost of Medicare deductibles and copayments?

Here's a breakdown of the different costs associated with Original Medicare. There are a lot of factors to consider depending on your health needs:

Do I need to enroll in Medicare if I have group health insurance?

Whether you need to enroll in Medicare while you're still working and have group health insurance depends on your age, size employer, and coverage you have.

Can I still use my own Doctors with Medicare Advantage plans?

Yes, with a Medicare Advantage plan, you typically still have access to a network of doctors and healthcare providers and may be the ones

What's the difference between Medigap and Medicare Supplements?

Medigap is the official name of Medicare Supplemental Insurance

Can I enroll in a Medicare approved plan over the phone?

Here are some tips to make the process quicker:

Can prescription drug formularies change?

Yes, drug formularies can change over time. A drug formulary is a list of prescription drugs that are covered by an approved health insurance plan or pharmacy

Are Employers allowed to pay the Part B Medicare premium?

There are several restrictions and requirements to be followed when employers pay for their employees' Part B Medicare premiums:

I forgot to pay my Medicare premium, will my Medicare policy lapse?

If you forget to pay your Medicare Advantage premium, your coverage may be terminated if the payment is not received within a certain timeframe.

What is a Medicare approved HMO?

It is one of the types of Medicare Advantage plans available to Medicare beneficiaries.

When could I switch from Medicare Advantage and apply for Medigap?

You can/must apply for Original Medicare using a Medigap policy within these time frames.

Do I need to wait for a certain period to change Medigap supplements?

Unlike Medicare Advantage plans, which often have specific enrollment periods, you can generally apply for or change Medigap policies any time during the year.

Are all medigap supplements the same?

There are 10 standardized Medigap plans, A, B, C, D, F, G, K, L, M, and N. Each plan offers a different set of benefits, and the coverage levels can vary.