Clear Answers to Your Most Common Medicare Questions
Medicare can feel overwhelming, especially when you’re trying to make the “right” decision. Here are answers to the questions most people have when getting started.
Getting Started
When should I start looking at Medicare options?
You should begin about 3 months before you turn 65. This gives you enough time to understand your options, compare plans, and enroll without feeling rushed.
What happens if I miss my enrollment window?
Missing your Initial Enrollment Period can lead to late enrollment penalties and delays in coverage. That’s why it’s important to plan ahead and make sure everything is in place on time.
What if I’m still working at 65?
If you have employer coverage, your Medicare decisions may be different. Depending on the size of your company and your current plan, it might make sense to delay certain parts of Medicare. Liz can help you evaluate what’s best for your situation.
Costs & Coverage
Do I have to pay for your help?
No. Liz’s services are completely free to you. She’s compensated by the insurance companies, so you get expert guidance at no cost.
Will Medicare cover everything?
Medicare covers many healthcare services, but not everything. There can still be deductibles, copays, and gaps in coverage, which is why many people choose additional plans to help fill those gaps.
How much does Medicare cost?
Costs vary depending on the coverage you choose. While many people don’t pay a premium for Part A, Part B does have a monthly premium, and additional plans may have their own costs. Liz can help you understand what to expect based on your situation.
Choosing the Right Plan
How do I know which plan is right for me?
The right plan depends on your doctors, prescriptions, health needs, and budget. Liz helps you compare options side by side so you can choose a plan that truly fits your life.
What’s the difference between Medicare Advantage and a Supplement plan?
Medicare Advantage plans are all-in-one plans that often include additional benefits and operate within a network. Supplement plans work alongside Original Medicare and offer more flexibility with providers, often with more predictable costs. Liz will walk you through both options so you can decide what’s best for you.
Can I keep my current doctor?
It depends on the plan you choose. Some plans have networks, while others offer more flexibility. Liz will help you check your doctors before you enroll so there are no surprises.
What about my prescriptions?
Prescription coverage varies by plan. It’s important to review your medications carefully to make sure they’re covered at a reasonable cost. Liz will help you evaluate this as part of the process.
After You Enroll
Can I change my plan later?
Yes, there are specific times each year when you can review and change your coverage. Liz can help you reassess your plan if your needs change.
What happens after I enroll?
Liz remains your resource even after enrollment. If you have questions, need help, or want to review your coverage in the future, she’s there to support you.
Working With Liz
Do you only offer certain insurance companies?
No. As an independent broker, Liz works with multiple carriers, allowing her to help you explore a range of options rather than being limited to just one.
Is there any obligation to enroll through you?
Not at all. The goal is to help you understand your options so you can make the best decision for yourself. There’s no pressure.
What happens on the first call?
It starts with a simple conversation. Liz will ask about your needs, walk you through your options, and answer your questions so you can move forward with clarity and confidence.
Still Have Questions?
If you didn’t see your question here, you’re not alone. Medicare can be complex, and every situation is a little different.
A quick conversation can give you the clarity you need to move forward with confidence.
Let’s Make Medicare Simple
Get clear, personalized guidance so you can choose the right plan without second-guessing your decision.