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Medicare
Who is eligible for Medicare?
Frequently Asked Questions
Yes, you can have both. When you have other insurance (like employer insurance) along with Medicare, there are rules that decide which insurance pays first.
Your initial enrollment period starts three months before you turn 65 and ends three months after the month you turn 65. There are also special enrollment periods based on certain situations and an annual open enrollment period.
If you have health coverage through your employer or your spouse's employer, you may not need to sign up for Part B right away. However, it's crucial to speak with the Social Security Administration and your benefits administrator to make the right decisions about enrollment.
You can apply for Medicare through the Social Security Administration. You can apply online, visit your local Social Security office, or call Social Security at 1-800-772-1213.
Medicare is a federal program primarily for seniors and certain disabled individuals, regardless of income. Medicaid is a state and federally funded program designed to provide health coverage for low-income individuals.
No. If you're already receiving Social Security benefits when you turn 65, you'll be automatically enrolled in Medicare Part A and Part B.
If you miss your initial enrollment period, you can sign up during the General Enrollment Period, which is January 1 through March 31 each year, but you may face a late enrollment penalty.
Original Medicare does not generally cover prescription drugs. You'd need to enroll in a separate Part D plan or a Medicare Advantage Plan that offers drug coverage.
Yes, you can make this switch during the annual Open Enrollment Period, which runs from October 15 to December 7.
Many Medicare Advantage Plans have a network of doctors, specialists, and hospitals that you must use to get the lowest rates. There are different types of networks, such as HMOs or PPOs, each with its own rules.
No. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.
Yes, many preventive services, like screenings and vaccines, are covered by Medicare Part B. Often, these are covered at no cost to you.
If you have Original Medicare, moving won't affect your coverage. If you have a Medicare Advantage Plan or a Part D prescription drug plan, you might need to choose a new plan available in your new location.
Original Medicare generally only covers services within the U.S. and its territories. Many Medicare Advantage Plans also restrict services to their network areas, but may offer coverage for emergencies during travel.
The "donut hole" refers to a gap in prescription drug coverage. Once you and your plan have spent a certain amount on covered drugs, you may be in the "donut hole" and pay more out-of-pocket for prescriptions until reaching a yearly limit.
The Medicare Savings Program can help low-income individuals pay for their Medicare premiums and, in some cases, other cost-sharing. Eligibility and benefits vary by state.
Medicare does not generally cover long-term care if that's the only care you need. While Medicare Part A does cover skilled nursing facility care, it's under specific conditions and for limited time periods, not for long-term stays.
Both HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) are types of Medicare Advantage Plans, but they have differences:
HMO: Typically, you need to choose a primary care doctor and get a referral to see a specialist. You are usually required to use doctors and providers in the plan's network, except for emergencies.
PPO: You don't need to choose a primary care doctor and don't require referrals to see specialists. You can use doctors in or out of your plan's network, but using the network will cost you less.
If your doctor doesn't accept Medicare, you may have to pay the full cost of the services provided. However, in some cases, doctors who don’t participate in Medicare may still choose to accept Medicare's approved amount for certain services, but they can charge you up to 15% over that amount (known as "excess charges").
If you have an HSA and enroll in Medicare, you can't contribute to your HSA anymore. However, you can still use the money in your HSA to pay for medical expenses, including Medicare premiums and out-of-pocket expenses.
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Our company has been serving clients for 8+ years. We not only love what we do but we love who we serve. Whether you are looking for Medicare plans, Life insurance or Financial services, etc. The Medicare Exchange is the go-to company for all of your retirement needs.
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Let us help you live a healthy, happy,
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Client Testimonials
I just today saw the article on your website about the wonderful party Tacoma had for my 86th birthday on July 17, 2023. I didn't realize when I set an appointment with Amber for that day that It was going to be a party! Thank all of you for that, and Amber for baking the biggest, roundest, most chocolatie, most decadent, most perfect birthday cake I've ever seen or eaten! And she very sweetly added just enough candles but not enough to cause a fire ..... Thank all of you, also, for being there for me and other seniors like myself - Amber and Alejandra have helped me throughout my entire health insurance problem, answering every question instantly and with total knowledge. I am recommending ya'll to everyone I know, including the Coordinator at my apartment complex. Thanks again!
Darlyne J
About Us
Our company has been serving clients for 9+ years. We not only love what we do but we love who we serve. Whether you are looking for Medicare plans, Life insurance or Financial services, etc. The Medicare Exchange is the go-to company for all of your retirement needs.
Opening Hours
Monday - 08:00-5:00
Tuesday - 08:00-5:00
Wednesday - 08:00-5:00
Thursday - 08:00-5:00
Friday - 08:00-5:00
Saturday & Sunday - BY APPOINTMET ONLY
Your access to and use of the Website is conditional upon your acceptance of and compliance with this Privacy Policy. This Privacy Policy applies to everyone, including, but not limited to: visitors, users, and others, who wish to access or use the Website.
By accessing or using the Website, you agree to be bound by this Privacy Policy. If you disagree with any part of the Privacy Policy, then you do not have our permission to access or use the Website.
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