FAQs

Medicare Supplement Insurance pays whenever Medicare A and/or B pays its portion of the bill first. Often this is the hospital deductible for each hospital stay, the skilled nursing care benefit co pay, or the 20% that Medicare doesn’t cover for Part B expenses. Medicare Supplements work in tandem with Medicare itself. With a Medicare

Medicare.gov has a drug lookup tool and some agents also have tools to help you quickly and effectively choose the best Medicare Part D Drug plan for you. Picking the wrong plan can have major consequences. Don’t do this part “willy nilly” unless your take only inexpensive generic drugs. Even then, don’t overpay.

No. They only pay their portion of the bill if Medicare pays its portion of the bill. Therefore, since Medicare mostly does not cover Dental, Vision, Hearing etc., neither will the Supplements, by law. You can purchase a separate Dental/Vision plan.

It’s not a "one size fits all" answer. It depends on what state you live in, as well as different states have differing rates for the same exact plan. If you want to pay a higher premium and have less co pays (or no co pays), you can. If you want to pay the least

The short answer is, sometimes. During the AEP (Annual Election Period between Oct 15th and Dec 7th each year), you can change from one Medicare Advantage plan to another Medicare Advantage plan or from one Part D Drug to another Part D Drug plan. BUT….you can’t always go from a Medicare Advantage Plan to a

Medicare doesn’t require a primary care physician and there are no referrals required to see a specialist (however the specialist may require one). As long as the provider is contracted with Medicare (most are, as well as most all hospitals), you can go to any provider that takes Medicare. On the other hand, most Medicare

Licensed agents or Brokers get paid a commission and annual renewals from the company/carrier. The Government mandates commission limits on Medicare Advantage Plans and Part D Rx plans. Individual States have limits on Medicare Supplement Commissions. There are two main types of Agents, captive and non-captive agents. Captive Agents typically can only represent one company

There is no coordinated outreach program by the government. If you are on Social Security you will automatically be enrolled in Medicare A and B effective your 65th (under age 65 if on Social Security Disability for 24 months) birthday month or the month before if you were born on the 1st of the month.

There is no limit to your potential out of pocket costs if you only have Medicare Parts A and B. Medicare Advantage plans (usually HMO’s or sometimes PPO plans) will limit your financial liability especially if you go to in network providers. On the other hand, Medicare Supplement Insurance plans do not have networks and