Frequently Asked Questions

Should I review my options with Medicare if I’m going to continue to work?

The short answer is yes. Like Social Security, you have paid for Medicare throughout your working life. Unlike Social Security, whether or not you continue to work, Medicare becomes available when you turn 65. These benefits are often much better and cost less than your current group insurance.

Do I have to take Part B?

If you have credible coverage through an employer or a spouse’s plan, you do not have to take Part B. However, most of the time Part B may be a better option for you.

If you don’t have credible health coverage, you will need to take Part B to avoid any late enrollment penalties.

How much is Part B?

Typically, Part B is $174.70 per month. If you are paying more for your current Medical coverage or you have a high deductible, it’s in your best interest to look at your Medicare options.

What is the difference between a supplement plan and a Medicare Advantage plan (or Part C)?

A supplement or Medi-Gap plan requires you to buy each piece of insurance separately. This includes premiums for Part B, your supplement, and Part D (prescription drugs). If you choose to add dental, vision, and hearing you will be required to pay an additional premium.

An Advantage plan combines all insurance pieces into one plan and one card, most of the time at no additional cost to you. Advantage plans are referred to as Part C and can be HMO or PPO.

How do I apply for Medicare?

• Online: Visit the Social Security website at ssa.gov/medicare.

  • This is the easiest and fastest way. (Call us if you need help)

• By Phone: Call Social Security at 1-800-772-1213 (TTY 1-800-325-0778).

• In-Person: Visit your local Social Security office.

If you are taking Social Security before the age of 65, you will automatically be enrolled and should receive your Medicare card in the mail about 3 months before your birthday month.

Can some of my Part B premium be paid for?

You may have seen a few commercials about having your Part B premium paid for. This depends on your income. Your Part B premium will only be paid if your income is below a certain amount or a few of you with VA benefits.

I have VA benefits, do I need anything else?

Having VA benefits is great! However, Advantage plans can provide additional options at no additional cost. For instance, adding an Advantage plan with United Health Care would allow you to use their entire network of doctors. It would also provide you with additional dental, vision, hearing, flex spending amounts and possible part B reduction costs.

Can my spouse go on my Medicare plan?

Unfortunately, Medicare plans are for individuals only. However, if you have a spouse that is not 65 or older, there may be additional options.

When can I enroll?

You can enroll as early as 3 months before your birthday month. For example, if you were born on Oct. 23, you can enroll in Medicare beginning on July 1st.

Do you have more questions?