Frequently Asked Questions About Medicare

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What is Medicare?

Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with disabilities or specific medical conditions.

What are the different parts of Medicare?

Medicare has four parts:

  • Part A – Hospital insurance (inpatient care, skilled nursing, hospice)
  • Part B – Medical insurance (doctor visits, outpatient care)
  • Part C (Medicare Advantage) – Private plans that combine Parts A & B (often include drug coverage)
  • Part D – Prescription drug coverage
When can I enroll in Medicare?
Your Initial Enrollment Period (IEP) begins three months before the month you turn 65, includes your birth month, and continues for three months after. There are also Special Enrollment Periods and an Annual Enrollment Period (October 15 – December 7).
Is Medicare free at age 65?
Most people qualify for premium-free Part A if they’ve worked and paid Medicare taxes for at least 10 years. However, Part B and Part D typically have monthly premiums.
What is the difference between Medicare Supplement and Medicare Advantage?
  • Medicare Supplement (Medigap) helps cover out-of-pocket costs like deductibles and coinsurance with Original Medicare.
  • Medicare Advantage (Part C) replaces Original Medicare and is offered through private insurance companies, often with additional benefits.
Do I need a Medicare Supplement plan?

If you want predictable out-of-pocket costs and nationwide access to providers that accept Medicare, a Medicare Supplement plan may be a good option.

What does Medicare not cover?

Original Medicare does not typically cover dental, vision, hearing aids, long-term care, or most prescription drugs (without Part D).

Can I keep working and delay Medicare?

Yes, if you have credible employer coverage, you may qualify for a Special Enrollment Period to delay Part B and Part D without penalty.

What are Medicare penalties?

If you delay enrolling in Part B or Part D without other credible coverage, you may face lifetime late enrollment penalties.

How much does Medicare cost?

Costs vary depending on the parts you enroll in, income level, and whether you choose a Supplement or Advantage plan. Premiums, deductibles, and copays may apply.

Do all doctors accept Medicare?

Most doctors accept Original Medicare, but not all accept Medicare Advantage plans. Always confirm provider participation before enrolling.

How do I choose the right Medicare plan?

Choosing the right plan depends on:

  • Your doctors
  • Prescription medications
  • Budget
  • Travel habits
  • Health conditions

Working with a licensed Medicare advisor can help you compare options objectively.