Medicare FAQS

No, routine dental and vision are not covered under Medicare Part B. They fall into the proverbial Medicare Gap

As many people work beyond age 65, it’s important to know when and how to enroll in Part B. Your current group benefits and the size of that group is critical to making the right decisions so you don’t end up with penalties or miss deadlines to enroll. Professional guidance is important.

Yes, but there are rules regarding the timing, circumstances that can affect availability, and the possibility that you could be subject to underwriting to obtain your Medigap policy. A professional who works with Medicare can help you determine which rules will apply to you, and help you to avoid costly mistakes.

There are many rules surrounding your initial enrollment into the world of Medicare. Unless you have an illness or disability that has made you Medicare eligible early, or you are still working and using the health insurance from your company as your supplement, your initial enrollment window will start 3 months before your 65th birthday and will continue through the 3 months after you turn 65. During this period, you’ll be able to purchase the supplemental policy of your choice. However, once this period closes, if you wish to change supplements, you will, most likely, be subject to underwriting and could be denied.

You should always consult with a professional to determine your eligibility for different coverage before you cancel your current coverages.

Most people don’t pay a monthly premium for Medicare Part A. If there is a charge for your Part A coverage, it is determined based on the number of quarters you’ve worked and paid Medicare taxes. For more info on costs, visit our What Does It Cover page. Medicare uses the modified adjusted gross income reported on your IRS tax return from 2 years ago to determine if a surcharge will be added to your Part B and Part D premiums.