FAQ
Frequently Asked Questions
Most people become eligible at age 65. Your Initial Enrollment Period begins 3 months before your 65th birthday month, includes your birthday month, and continues 3 months afterward. Missing this window could result in penalties or gaps in coverage.
Not always. If you have employer coverage through active employment, you may be able to delay certain parts of Medicare. The right choice depends on the size of your employer and your current coverage.
Original Medicare includes Part A (hospital) and Part B (medical). Medicare Advantage combines your benefits into one plan and often includes prescription drug, dental, vision, hearing, and additional benefits.
A Medicare Supplement helps pay out-of-pocket costs Original Medicare doesn't cover — such as deductibles, copays, and coinsurance. These plans work alongside Original Medicare.
Original Medicare generally does not provide comprehensive drug coverage. Most beneficiaries enroll in a Part D plan or a Medicare Advantage plan that includes drug coverage.
It depends on the plan. Always verify that your doctors, specialists, hospitals, and pharmacies participate in the plan's network before enrolling.
Costs vary by coverage. Most people receive Part A premium-free, while Part B typically requires a monthly premium. Additional costs may apply for Advantage, Supplement, and Part D plans.
A change in prescriptions could affect which plan provides the best value. Reviewing your coverage annually helps ensure you're getting the lowest possible medication costs.
Yes. Many veterans enroll in Medicare even if they have VA benefits. Medicare can provide additional flexibility and coverage outside the VA healthcare system. View Yetevia's VETECARE Broker Certification →
You may face late enrollment penalties and delayed coverage. Understanding your enrollment timeline before turning 65 or retiring is critical to avoiding these consequences.
Yes. Premiums, copays, drug formularies, provider networks, and extra benefits can all change annually. Reviewing your coverage each year helps prevent unexpected costs.
Retiring creates a Special Enrollment Period that may allow you to enroll without penalties. Timing is important to avoid gaps in coverage.
Yes. Depending on your situation, you may be able to change plans during the Annual Enrollment Period or through a Special Enrollment Period.
While some parts may have no premium, Medicare is not completely free. Beneficiaries are responsible for premiums, deductibles, copays, and other out-of-pocket expenses depending on their coverage.
A local Medicare advisor provides personalized guidance, helps compare plans, reviews your doctors and prescriptions, assists with enrollment, and remains available throughout the year. Unlike a call center, you'll have a dedicated person who knows your situation.