The questions we hear most often, answered without jargon. If yours isn't here, call us and we'll answer it directly.
Getting Started
Eligibility & enrollment
When am I first eligible for Medicare?
Most people become eligible the month they turn 65. Your Initial Enrollment Period runs for seven months — three months before your birthday month, your birthday month, and three months after.
What happens if I miss my enrollment window?
Depending on the situation, you may face a late enrollment penalty added permanently to your premium, or need to wait for the next General Enrollment Period. We track your dates specifically to help you avoid this.
I'm still working past 65 — do I need to enroll?
It depends on the size of your employer and whether your current coverage is considered "creditable." This is one of the most common ways people get penalized unnecessarily — worth a quick call before you decide.
Choosing a Plan
Advantage, Supplement & Part D
What's the real difference between Advantage and Supplement plans?
Advantage plans bundle your coverage into one plan with a network, usually at low or no monthly cost. Supplement plans cost more monthly but let you see any doctor who accepts Medicare, with Original Medicare handling the base coverage.
Can I switch plans every year?
Yes — the Annual Enrollment Period (October 15 to December 7) lets you change your plan for the following year. Medicare Advantage members also get a second window, January 1 to March 31, to make one additional switch.
Will my doctor and pharmacy still be covered?
This depends entirely on the specific plan's network and formulary. We check both against your current providers and medications before recommending anything.
Official Sources
Direct from Medicare
We're independent agents, not the government — for anything official, these are the primary sources.