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FAQ
Do I have to enroll in Medicare right when I turn 65?
Not always. If you’re still working and covered by a qualified employer plan, you may be able to delay Part B without penalty.
However, timing rules can be complex — and missing certain windows can lead to lifelong penalties.
What happens if I miss my enrollment period?
You may have to wait for the General Enrollment Period (January–March), and late enrollment penalties may apply — especially for Part B and Part D.
That’s why understanding your timeline is critical.
Is Medicare Advantage better than a Supplement plan?
Neither is “better” for everyone.
Medicare Advantage plans often have lower monthly premiums but use provider networks.
Supplement plans usually offer more flexibility and predictable costs.
The right choice depends on your health needs and budget.
Does Medicare cover prescriptions?
Original Medicare does not include prescription drug coverage.
You must enroll in a Part D plan or choose a Medicare Advantage plan that includes drug coverage.
Can I keep my current doctors?
It depends on the plan you choose.
Original Medicare + Supplement plans generally allow you to see any provider that accepts Medicare.
Medicare Advantage plans may require you to use a network.
We always check your doctors before recommending a plan.
How much does Medicare cost?
Costs vary depending on:
• Part B premiums
• Supplement or Advantage plan premiums
• Drug plan premiums
• Deductibles and out-of-pocket expenses
Your total cost depends on the type of coverage you choose and your healthcare needs.