Medicare FAQs
Here are some of our frequently asked questions. For additional information, please reach out to us to schedule a consultation.
A: Provided you’ve met the work-related eligibility criteria, you can start enrolling in Medicare up to 90 days before the month you turn 65.
A: Medicare does not offer spousal or dependent coverage; it is designed for individuals. If your spouse is also turning 65, they can enroll in Medicare on their own, starting 90 days before their 65th birthday month.
A: Medicare does not offer coverage for spouses or dependents; it is meant for individuals only. If your spouse is 65 or older, they can sign up for Medicare on their own, starting 90 days before their 65th birthday month.
A: Part A of Medicare is usually automatic and provided at no cost when you turn 65. However, Part B is not automatic unless you’ve already begun receiving Social Security benefits before turning 65. If you haven’t started Social Security benefits, you will need to actively enroll in Part B and pay the associated premiums.
A: Yes. However, you will not have prescription coverage, and you will face unlimited exposure to those costs due to the gaps in Original Medicare.
A: Typically, you can keep your current doctors, but it’s important to confirm that they accept Medicare, as not all do.
A: Yes, Medicare covers up to 100 days in a nursing home, but only after you’ve had a qualifying three-day hospital stay.
A: No, a retiree plan usually works alongside Medicare, providing additional coverage that complements Medicare’s primary benefits.
A: Part D is the prescription drug plan that Medicare introduced in 2006.
A: In addition to significant coverage gaps, you may also incur penalties from Medicare. For Part B, the penalty can be 10% of your premium for each full 12-month period you were without coverage. For Part D, you could face a penalty of up to 1% of the national average premium for each month you went without coverage.
A: Part C is also known as Medicare Advantage. It can be referred to as MA, MSA, or MA-PD if it includes prescription coverage.
A: WE WILL ASSIST YOU ON SIGNING UP AND REVIEWING YOUR PLAN OPTIONS. YOU MAY MAKE A DECISION VISITING ONLINE SSA.GOV OR A LOCAL SOCIAL SECURITY OFFICE IN PERSON. APPLYING WITH SEGUROMIO.NET MY INSURANCE AGENCY, YOUR AGENCY WE ACCESS YOUR NEED, YOUR NEED CHOOSES PLAN.
A: This Medicare term refers to previous coverage being at least as comprehensive as Medicare’s. It is usually relevant for Part D to avoid incurring a penalty.
A: ADVERTISEMENT, FRIEND, FAMILY