Question 1

When should I enroll in Medicare?

Accepted Answer

Your Initial Enrollment Period is a 7-month window: the 3 months before you turn 65, your birthday month, and the 3 months after. Enrolling during this window helps you avoid late penalties and coverage gaps.

Question 2

What happens if I miss my enrollment window?

Accepted Answer

You may face a late-enrollment penalty on Part B or Part D that stays with you for as long as you have Medicare, and you may have to wait for the General Enrollment Period. We can help you understand your options if you've already missed a deadline.

Question 3

Can I keep my current doctor?

Accepted Answer

It depends on your plan. Medicare Supplement plans let you see any provider that accepts Medicare. Medicare Advantage plans usually use a network. Before you choose, we'll check to make sure your doctors and hospitals are covered.

Question 4

Can I switch Medicare plans later?

Accepted Answer

Yes. Each year during the Annual Enrollment Period (Oct 15 – Dec 7) you can change your Medicare Advantage or Part D plan. Some situations, like moving, qualify you for a Special Enrollment Period.

Question 5

What if I move to a different state?

Accepted Answer

Moving triggers a Special Enrollment Period. Your current plan may not be available in your new area, so we'll help you find one that is — often with no gap in coverage.

Question 6

Can my medication coverage change during the year?

Accepted Answer

Plans can change their drug formularies each year. That's why we recommend reviewing your Part D or Advantage plan every fall, before the Annual Enrollment Period ends.

Critical Illness Insurance

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