All consultations and plan analysis are no cost to you. If you choose to enroll in a plan the insurance company pays a commission to the insurance broker that assists you.
Absolutely not. There's no obligation to purchase any plan. Our goal is to help you make the best decision for your situation.
Depends on the plan you have. During the Annual Open Enrollment Period (October 15 - December 7), you can switch from Original Medicare to Medicare Advantage, change Advantage plans, or add/change Part D Prescription Drug coverage. There is also a Medicare Advantage Open Enrollment Period (January 1 - March 31), where you can change your Advantage plan one time. Some Special Enrollment Periods may also allow changes outside these windows. NOTE: Medicare Supplement (Medigap) plans are NOT part of the Annual Medicare Enrollment Period. You can apply at anytime to change your plan; however, you may or may not be eligible to change based on your health.
Yes, it's recommended. Without Part D or other Creditable Drug Coverage, you could face a permanent late enrollment penalty of 1% of the national base premium for each month you delay.
No for Medicare Advantage plans - they must accept everyone during eligible enrollment periods. For Medigap plans, you have guaranteed acceptance only during your 6-month open enrollment period when you first get Part B.
Original Medicare and Medigap plans are portable and go where you go. However, Medicare Advantage plans and Part D Drug plans are location-specific so you'll need to change plans. You qualify for a Special Enrollment Period when moving.
Most doctors accept Original Medicare and if they do they must accept your Medigap plan. Medicare Advantage plans have specific networks. We always recommend talking to your doctor(s) office to confirm plan acceptance before making your decision.
Depends on your employer size. With 20+ employees you can usually delay Part B without penalty. For most group plans with fewer than 20 employees, Medicare becomes primary insurance and you should enroll to avoid gaps in coverage. Best to check with your employer. You should also confirm your group plan offers "creditable prescription drug coverage". If not, you'll want to enroll in a Part D plan.
Yes. If you continue to contribute (and/or your employer does on your behalf) after you have Medicare coverage, you could be penalized; even if you only sign up for Part A. Also be aware that if you delay in signing up for Part A, when you do sign up, your effective date is back-dated six months (not to be earlier than your 65th birthday month).
* The information provided is for general informational purposes only and is not intended to be a complete description of coverage or plan options. Always consult with a licensed Medicare insurance professional to evaluate your individual needs and circumstances. Jenell Sobas assumes no responsibility or liability for any errors, omissions, or outcomes resulting from the use of this content.