Frequently Asked Questions
Find simple answers to your Medicare questions below. We've simplified the language to help you navigate your coverage with clarity.
When can I enroll in a Medicare plan?
Most people enroll during their Initial Enrollment Period. This happens 3 months before you turn 65, your birthday month, and 3 months after. In total, you have a 7-month window to sign up.
What is the difference between Medicare Advantage and Supplement?
Medicare Advantage is an 'all-in-one' plan from private companies that combines doctors, hospitals, and often drugs. Medicare Supplement (Medigap) works with Original Medicare to help pay for costs like copays and deductibles.
Are my prescription drugs covered?
Yes, most Medicare Advantage plans include drug coverage. If you stay with Original Medicare, you can buy a separate Part D plan to cover your prescriptions.
Do I have to pay for Medicare?
Most people get Part A (Hospital) for free if they worked enough years. Part B (Medical) requires a monthly premium. Private Medicare Advantage or Drug plans also have their own monthly costs.