Question 1

What is Medicare?

Accepted Answer

Medicare is a federal health insurance program designed for people age 65 and older, as well as younger individuals with certain disabilities. It consists of four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans — a combination of Part A, Part B, and sometimes Part D), and Part D (prescription drug coverage).

Question 2

Does anyone below 65 qualify for Medicare?

Accepted Answer

Yes — there are 3 situations that qualify for Medicare for people under 65: (1) You have been diagnosed with end-stage renal disease (kidney failure). (2) You have been diagnosed with Amyotrophic Lateral Sclerosis (Lou Gehrig's disease) and are receiving Social Security Disability benefits. (3) You are permanently disabled and have received Social Security Disability benefits for at least 24 months.

Question 3

How do I know if I'm eligible for Medicare?

Accepted Answer

At age 65, every citizen must apply for Medicare (you will receive Medicare A and B). Non-citizen permanent residents who have lived in the country for at least five years are also eligible at age 65. If you have not already begun to draw social security, you will need to apply for Medicare when you turn 65. Even if you do receive social security, you will be automatically enrolled when you turn 65. To enroll in other Medicare programs, such as Part C for Advantage or Part D for prescriptions, please contact us to see if these programs are right for you.

Question 4

When should I enroll in Medicare?

Accepted Answer

You have a seven-month Initial Enrollment Period (IEP) that typically starts three months before the month you turn 65 — covering 3 months before your birthday, the month of your birthday, and 3 months afterward. If your birthday lands on the 1st of the month, your IEP starts one month earlier. It is important to enroll during this window to avoid penalties such as higher premiums. If you miss your IEP, Medicare Open Enrollment runs from October 15 to December 7 every year, during which you can compare or change plans.

Question 5

Is there a certain date to enroll for Medicare?

Accepted Answer

You'll often hear about 'Medicare Open Enrollment' and 'Initial Enrollment Period' (IEP). The IEP is a 7-month window — 3 months before your 65th birthday, the month of your birthday, and 3 months afterward. Medicare Open Enrollment runs from October 15 to December 7 every year. During this time, people who already have Medicare can compare their Part D and Part C Advantage plans or change plans. People who missed their initial enrollment period can also add new coverage during Open Enrollment.

Question 6

What are Medicare Supplemental Plans (Medigap)?

Accepted Answer

Medigap plans help cover the gaps in Original Medicare coverage, such as deductibles, copayments, and coinsurance. These plans are sold by private insurance companies and can significantly reduce your out-of-pocket costs. Our agents can help you compare Medigap options to find the right fit for your health needs and budget.

Question 7

How do I enroll in Medicare?

Accepted Answer

You can enroll online at Medicare.gov, by phone through the Social Security Administration, or in person at your local Social Security office. Alternatively, Medicare Insurance Techs is here to help you through the entire process — our experienced agents will guide you step by step at no cost to you.

Question 8

What is the difference between Medicare Advantage and Original Medicare?

Accepted Answer

Original Medicare (Parts A and B) is provided directly by the federal government and covers hospital and medical services. Medicare Advantage (Part C) is offered by private insurers approved by Medicare and often bundles Parts A, B, and D together, sometimes including extra benefits like dental, vision, and hearing coverage. The right choice depends on your health needs, preferred doctors, and budget.

Question 9

Does Medicare cover prescription drugs?

Accepted Answer

Original Medicare (Parts A and B) generally does not cover most prescription drugs. Medicare Part D is a standalone prescription drug plan you can add to Original Medicare. Medicare Advantage (Part C) plans often include Part D drug coverage. Our agents can help you find a plan that covers your specific medications.

Question 10

Need more help?

Accepted Answer

Contact Medicare Insurance Techs today for personalized assistance with your Medicare needs. Our experienced agents can help you find the best plan for your situation — at no cost to you. Call us at (855) 640-8060 or use our contact form to get started.

Common Medicare Questions

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