Common Medicare Questions Answered

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As you approach the milestone of turning 65, understanding Medicare can feel overwhelming and confusing. With so many options and details to consider, it’s natural to have questions about what Medicare entails, how it works, and what choices are best for your individual needs. In this helpful FAQ, we aim to address some of the most common questions soon-to-be seniors have about Medicare, providing clear, straightforward answers to guide you through this important transition. By the end of this guide, you’ll feel more confident and informed, ready to make decisions that best suit your healthcare needs.

Understanding Medicare Basics

When do I enroll in Medicare?

Generally, you can enroll in Medicare during your Initial Enrollment Period, which starts 3 months before you turn 65 and lasts 7 months after.

What does Medicare cover?

Medicare Parts A & B cover hospital stays, doctor visits, some preventive care, and medically necessary services. Part D covers prescription drugs, while Part C (Medicare Advantage) is an alternative plan that often bundles Parts A & B with additional benefits.

Does Medicare cover everything?

No, Medicare doesn’t cover everything. You may have out-of-pocket costs like deductibles, co-pays, and co-insurance. Consider a Medigap plan (supplemental insurance) to help with these costs.

I still work past 65. Do I need Medicare?

Maybe not. If you have employer health insurance that’s considered “creditable,” you may delay enrollment. But check with your plan to see how it coordinates with Medicare.

How much does Medicare cost?

Costs vary depending on your chosen plan. Part A is usually free (if you meet work history requirements). Part B has a monthly premium, and Part D and Advantage plans have premiums and may have additional costs.

Feeling overwhelmed? Where can I get help?

Have more questions or need personalized assistance? Medicare Insurance Techs is here to help! Our friendly and knowledgeable team is dedicated to guiding you through every step of your Medicare journey. Whether you’re just starting to explore your options or need help with enrollment, we are just a phone call or email away. Reach out to us today for expert advice and support, ensuring you make well-informed decisions about your healthcare coverage.

We look forward to assisting you and ensuring your Medicare experience is smooth and stress-free.