Question 1

When can I enroll in Medicare?

Accepted Answer

Your Initial Enrollment Period is 7 months long: the 3 months before you turn 65, the month of your birthday, and the 3 months after. Miss it and you may face late penalties — so it's worth marking the date early. We can walk you through it before you ever enroll.

Question 2

What's the difference between Medicare Advantage and Medigap?

Accepted Answer

Medicare Advantage (Part C) bundles your hospital, medical, and often drug coverage into one plan, frequently with extras like dental and vision. Medigap instead fills the cost gaps of Original Medicare — deductibles and coinsurance — and lets you keep Original Medicare. Neither is 'better' across the board; the right choice depends on your doctors, prescriptions, and budget. We lay both side by side for you.

Question 3

Do I need Part D if I don't take any medications?

Accepted Answer

Usually yes, at least a basic plan. If you skip Part D when you're first eligible and want it later, Medicare charges a late-enrollment penalty for every month you went without. A basic plan is often inexpensive and protects you from both the penalty and surprise costs.

Question 4

How much does Medicare cost?

Accepted Answer

Most people get Part A (hospital) premium-free if they or a spouse worked 10+ years. Part B has a monthly premium set by Medicare each year, and Part D and Advantage plans each have their own premiums. In your free consultation we total up the real monthly cost of every option you're considering.

Question 5

When can I change my Medicare plan?

Accepted Answer

The Annual Enrollment Period runs October 15 – December 7, when you can switch Advantage or Part D plans for the next year. There's also a Medicare Advantage Open Enrollment Period January 1 – March 31 for current Advantage members. Outside those windows, changes are limited — but special situations (moving, losing coverage) can open doors anytime.

Question 6

Can I keep my doctors?

Accepted Answer

It depends on the plan's network, and it's the first thing we check. Bring us your doctors' names and we'll verify which plans accept them before you switch anything.

Question 7

What if I'm still working at 65?

Accepted Answer

If you have employer coverage — through your job or your spouse's — you may be able to delay Part B without a penalty. The rules are particular about company size and timing, so it's worth a quick conversation before you decide. These consults are free, and getting it wrong is expensive.

Question 8

What should I bring to a consultation?

Accepted Answer

Your Medicare card (or your enrollment date), a list of your prescriptions, your doctors' names, and any plan mailings you've received. That's everything we need to line up your options side by side.

Question 9

Does your help cost anything?

Accepted Answer

No. Our consultations are free and there's never any obligation — we're compensated by the insurance carriers when you enroll in a plan, not by you. And because we're independent, we'll tell you honestly which option fits you best, even if it's one we don't sell.

Frequently asked questions.

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