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Information provided by medicare.gov

Frequently Asked Questions

My services are free and there is no obligation.

Original Medicare is coverage managed by the federal government consisting of Medicare Part A and Medicare Part B.

Most people get Part A for $0 Premium based on your earnings or those of a spouse, parent, or child (worked 40 quarters for:  Earned 40 work credits).

If you did not meet 40 credits, you may have to pay a premium.

Part B is a voluntary program that requires a monthly premium.   For 2023, the monthly premium is $164.90.  It will depend whether you have creditable coverage or not.  If you do not, you may have to pay a late enrollment penalty for life.

It is also known as Medicare Advantage Plans.  

You add Part D to Original Medicare and to Medicare Supplemental Insurance Plan.  If you take a Medicare Advantage plan that includes prescription drug coverage, you do not need get seperate prescription plan.  

If there are more than 20 employees at your job, you can keep your employer group plan and delay taking medicare and you won’t pay a late enrollment penalty.  

No, we find a plan that best fits your needs and it is accepted by your doctors.

Yes and No.
When you are eligible to take Medicare and you delay it without creditable coverage (eg:  Employer Group Plan), you may have to pay a late enrollment penalty for life.   
Double check on your indiviual situation to determine if you will need to take Medicare or can delay without penalties.
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