Our Most Frequently Asked Questions
Why am I being billed for Medicare Part B?
Most people have the Part B premium deducted from Social Security. If you aren’t receiving Social Security (or it isn’t set up yet), Medicare may bill you directly. The Part B premium can also be higher based on income.
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) is an “all-in-one” alternative to Original Medicare and often includes extra benefits, while Medigap helps pay certain out-of-pocket costs left by Original Medicare. The right fit depends on your doctors, prescriptions, travel needs, and budget.
When can I enroll or change plans?
Enrollment depends on your situation—turning 65 (Initial Enrollment), fall Open Enrollment, Medicare Advantage Open Enrollment, or a Special Enrollment Period after certain life events.
Do I need a Part D prescription drug plan?
Many people choose Part D (or a plan that includes drug coverage) to help cover prescriptions and avoid late enrollment penalties. We’ll check your medications and pharmacy to compare costs.
Do you charge for help?
Your consultation is free. If you enroll, we may be paid by an insurance company—this doesn’t change your plan premium.
Are you connected to Medicare or the government?
No. We’re a private insurance agency and aren’t affiliated with or endorsed by the U.S. government or the federal Medicare program.
