We take the time to listen to the questions people are asking about the Medicare Options!

Questions Are Important to find the right facility for you or your loved one, below are some common questions asked, contact us today for more specific answers.

Q: I’m turning 65 this year and I plan to retire. When am I eligible to enroll into Medicare?

A: Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.

Q: Can my dependent spouse be on my Medicare plan?

A: Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.

Q: Can I keep my employer coverage?

A: Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.

Q: Do I need to enroll in Part “A” and Part “B” of Medicare?

A: Part “A” is typically in place, and a paid-up benefit when you turn 65. Part “B” is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them.

Q: Can I just have “Original Medicare” A+B as my health insurance at retirement?

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.

Q: Can I keep all my same doctors when I’m on Medicare?

A: You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.

Q: Does Medicare cover me if I’m in a nursing home?

A: Yes, for up to 100 days, after a required three-day hospital stay.

Q: Does Medicare have dental plans?

A: No. But some Advantage plans offer limited dental coverage.

Q: I am entitled to retiree benefits. Does that mean I won’t need Medicare?

A: No, a retiree plan will typically wrap around Medicare primary benefits.

Q: What is Part “D”?

A: Part “D” is the Prescription Drug plan Medicare introduced in 2006.

Q: What happens if I miss my designated enrollment window into Medicare?

A: In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”.

Q: What is a Part “C” plan?

A: Part “C” is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescriptions are included).

Q: Where do I go to get signed up for Medicare?

A: Online at SSA.gov or in person at a local Social Security office.

Q: What is creditable coverage?

A: This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part “D” to avoid penalty.

Q: Should I have both a Medicare Advantage Plan and a Medicare Supplement Plan?

A: No.


Other helpful websites

State Health Insurance Assistance Programs (SHIPs)opens a new tab

Find links to state-specific SHIP websites with information about local, personalized counseling and assistance to people with Medicare and their families.

Medicare Savings Programs (MSPs)opens a new tab

Find links to state-specific websites with information about Medicare Savings Programs.

State Insurance Departmentsopens a new tab

Find links to State Insurance Department websites with information about Medicare Supplement Insurance (Medigap) plans sold in the state.

Senior websitesopens a new tab

Find links to websites with information for older adults.

Other government websitesopens a new tab

Find links to other government websites.

Other health care resourcesopens a new tab

Find links to websites that can help you make health care decisions, like choosing a hospital or nursing home.

Other ways to find helpful information

Download the Helpful Contacts databaseopens a new tab

You can download the data used by the Helpful Contacts tool onto your computer as a zipped CSV file. To find contacts in a specific location, search by organization or topic of interest instead of downloading the data.



Forms, help, & resources

Find doctors, hospitals, & other providers

Hospitals, nursing homes, home health agencies, medical item suppliers, health care providers, health and drug plans, dialysis facilities.

Medicare forms

Get Medicare forms for different situations, like filing a claim or appointing a representative. There are also forms for filing an appeal or letting Medicare share your personal health information.

Free Medicare publications

View, print, or order Medicare publications and listen to podcasts.

"Medicare & You" handbook

Mail you get about Medicare

Read about what to do with Medicare information you may get in the mail.

Lost/incorrect Medicare card

Fix problems with your Medicare card, like an incorrect name, new address, or replace a lost card.

Report fraud & abuse

Learn about examples of Medicare fraud, like getting billed for services or equipment you never got.

Identity theft: protect yourself

Learn about how to protect your personal information, including your name and Social Security, Medicare, and credit card numbers.

Phone numbers & websites

Get contact information for organizations that can help answer your Medicare-related questions.

Privacy practices

The Notice of Privacy Practices explains how medical information about you may be used and how you can get access to this information.

Contact Medicare

How to contact the Centers for Medicare & Medicaid Services (CMS) by phone, TTY, or mail.

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This is a proprietary website. and is not, associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov