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FAQs

Clear, straightforward answers to common questions about medical and travel insurance.

Medicare Enrollment Timelines

The best time to enroll in Medicare depends on your situation. The Initial Enrollment Period (IEP) starts three months before the month you turn 65, includes your birthday month, and lasts three months after. If you miss the IEP, you can enroll during the General Enrollment Period (GEP) from January 1 to March 31, but coverage will begin July 1 and late enrollment penalties may apply.

If you miss your IEP, you can enroll during the General Enrollment Period (GEP) between January 1 and March 31. However, late enrollment penalties may apply, and your coverage won’t start until July 1.

The SEP allows you to enroll in or switch your Medicare plan outside of the usual enrollment periods if you qualify due to certain life events (such as moving, losing employer coverage, or other circumstances). You generally have 8 months to sign up once your qualifying event ends.

Yes, during the Annual Enrollment Period (AEP) from October 15 to December 7, you can make changes to your Medicare Advantage (Part C) or Medicare Prescription Drug Plan (Part D) coverage. You can also switch from Original Medicare to Medicare Advantage or vice versa.

Cost Questions

The cost of Medicare varies depending on the plan and coverage you choose. Part A is usually free if you’ve worked and paid Medicare taxes for at least 10 years. Part B has a standard premium, which in 2026 is $202.90 per month, but can be higher based on income. Part C (Medicare Advantage) and Part D (Prescription Drug plans) have additional costs, and the prices vary based on the plan and provider.
Yes, if you miss your Initial Enrollment Period (IEP) and don’t qualify for Special Enrollment, you may face late enrollment penalties. These penalties can increase your monthly premiums for Part B and Part D for as long as you have Medicare.
Medicare Advantage plans often have an additional premium on top of your Part B premium. However, they may include additional benefits, such as vision, dental, or prescription coverage. Some plans have no additional premium but may have co-pays, deductibles, or co-insurance for services.
The Medicare Savings Program helps low-income individuals pay for some of the costs associated with Medicare, like premiums, deductibles, and coinsurance. Eligibility is based on income and resources.

Consultation Process

During your consultation, we’ll go over your current health insurance situation, assess your eligibility for Medicare, and discuss your healthcare needs. We’ll review different Medicare plans, explain their costs, and help you find the best plan that fits your budget and coverage requirements.

Our services are free! Medicare insurance agents are paid by the insurance companies, so there’s no cost to you for our help. We assist with finding the best plan and navigating the complexities of Medicare.
Yes, you can change your Medicare plan during the Annual Enrollment Period (October 15 – December 7) or Special Enrollment Periods if you qualify. We can help you review your options and make changes as necessary.
We can conduct consultations either in person, over the phone, or through video conferencing. We aim to make the process as convenient as possible for you.

Licensing & Compliance

Yes, I am a licensed Medicare insurance agent. I am authorized to offer Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans (Part D) from a variety of top insurance providers.
I have completed extensive training and licensing requirements set by state and federal regulations. I regularly participate in continuing education to stay current on changes to Medicare rules, regulations, and available plans.
Yes, I receive compensation from the insurance companies I work with for helping individuals choose and enroll in a Medicare plan. This compensation does not affect your premium or benefits. My goal is to provide unbiased guidance and find the best plan for your needs.
Absolutely. I take privacy and security seriously and comply with all regulations, including HIPAA, to protect your personal and health information. Any information shared will only be used to assist you in selecting the right Medicare plan.

Who I Work With

I work with multiple insurance companies offering a wide range of Medicare Advantage (Part C), Medicare Supplement (Medigap), and Prescription Drug Plans (Part D). I’ll help you compare these plans to find the one that works best for your healthcare needs and budget.

While my main focus is Medicare, I can also help you understand Medicaid eligibility and work with Medicaid plans. If you're eligible for both Medicare and Medicaid, we’ll explore Dual-Eligible Special Needs Plans (D-SNPs) that offer benefits tailored for those who qualify for both programs.

I don’t have a preference for any specific company, and I’ll help you compare multiple options to find the best plan for your needs. My goal is to find the most suitable plan for your healthcare needs, rather than recommending a particular insurer.

Yes, I collaborate with a network of licensed Medicare agents and insurance companies to give you a broad range of plan options. This allows me to present unbiased recommendations and provide you with comprehensive support.