Frequently Asked Questions

If you receive notice from your insurance company that your current plan will no longer be offered starting January 1st, you will be granted a Special Election Period (SEP) from December 8 - February 28. However, you must apply by December 31st if you want your new plan to be effective starting January 1.  

Contact me to review your coverage options so we can find the best plan for you! 

Yes, you must sign up for Original Medicare (part A & B) through the Social Security Administration—either online at ssa.gov, by phone, or in person at your local Social Security office. 

You should sign up for Medicare during your Initial Enrollment Period, which begins 3 months before you turn 65, includes your birthday month, and ends 3 months after—a total of 7 months. Enrolling during this window helps you avoid late penalties and coverage gaps.

Once you've signed up for Medicare Part A & B, contact me to review your coverage options so we can find the best plan for you & get you enrolled the month prior to when you want your coverage to start! 

YES! There is no cost or fees for my service. Health insurance companies pay brokers like me to market & sell their plans to potential customers. Because I'm contracted to sell for many different insurance companies, YOU benefit by having LOTS of plans to choose from in order to find the one that best fits your needs and budget.  

AEP stands for Annual Enrollment Period, which runs from October 15 to December 7 each year. During this time, Medicare beneficiaries can:

• Join, drop, or switch Medicare Advantage plans
• Switch from a Medicare Supplement plan to a Medicare Advantage
• Change or enroll in a Medicare Part D prescription drug plan

Changes made during AEP take effect on January 1 of the following year.

It's a good idea to review your plan options each year during AEP to make sure you are enrolled in the best plan for your needs.

• Part A – Hospital Insurance
  Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. 
• Part B – Medical Insurance
  Helps pay for doctor visits, outpatient care, preventive services, and durable medical equipment.
• Part C – Medicare Advantage
  Offered by private insurers, it bundles Part A and B (and often Part D), plus extras like dental, vision, and hearing.
• Part D – Prescription Drug Coverage
  Helps cover the cost of medications, available as a standalone plan or included in some Part C plans.

A Medicare Advantage plan (Part C) is an all-in-one alternative to Original Medicare, often including drug coverage and extra benefits, but with network restrictions. 

A Medicare Supplement plan (Medigap) helps pay out-of-pocket costs from Original Medicare, offering broader provider access but no drug coverage

If you’re unhappy with the plan you chose during the Annual Enrollment Period (AEP)—which runs from October 15 to December 7—you have options:

• You can make changes during the Medicare Advantage Open Enrollment Period from January 1 to March 31. This allows you to:
• Switch to a different Medicare Advantage plan
• Drop Medicare Advantage and return to Original Medicare (and add Part D if needed)