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Frequently Asked Questions

Cost of Medicare
The cost of Medicare is based on each person’s income level. Most people during 2020 will be paying $144.60 per month.
Do I have to enroll in Medicare?
Not as long as you have employer insurance that is compliant, known as creditable coverage. However, you should take a look at which is most cost-efficient.
Why does the Medicare card come automatically to some and not to others?
If you are drawing Social Security benefits they will probably mail you your card. If not, you must enroll to receive it.
May I have Medicare and postpone my Social Security retirement benefits?


If I have an HMO and have an emergency in another State will I be covered?
Yes, but it may be necessary for further treatment to be done within your specific area.
Why am I getting so much mail and so many calls?
Because Public Records being available, this allows the insurance company your information. When they call or
visit, they are steering you towards their plan only. This is the reason why I help you to understand how all of the plans work and let you decide who to go with.
If I move may I take my Medicare Advantage plan with me?
No, they are county specific, but you are allowed to
change plans when you move.
Can I change plans later?

Yes. However there are enrollment periods for different situations the main one being from October 15 through December 7 of every year.

Which is better Medicare Supplement or Medicare Advantage?
They are both good alternatives and depend on the needs, plans and budget of each individual.
On my card there are two dates. What do they mean?
The dates are effective dates for Part A and for Part B. The dates can be different but usually are the same. Part A for most is $0 cost so even if you don’t enroll in Part B when you turn 65, sign up for Part A as it will coordinate benefits with your current insurance at work.