Question 1

Do I have to sign up for Medicare if I’m still working?

Accepted Answer

Many people sign up for premium-free Part A. Whether to delay Part B depends on your job coverage and employer size. Check with your employer and SHIP before deciding.

Question 2

Can I change Medicare plans later?

Accepted Answer

Yes, during set times each year, like the fall open enrollment period. Some changes have limits, especially for Medigap.

Question 3

When should I sign up for Medicare?

Accepted Answer

During your 7-month Initial Enrollment Period around your 65th birthday. Signing up in the 3 months before your birthday month helps coverage start on time.

Question 4

What is the Part B late enrollment penalty?

Accepted Answer

A higher Part B premium, often for as long as you have Part B, if you didn’t sign up when first eligible and didn’t have qualifying job coverage.

Question 5

What is the difference between Medigap and Medicare Advantage?

Accepted Answer

Medigap helps pay costs Original Medicare doesn’t cover. Medicare Advantage replaces Original Medicare with a private all-in-one plan. You can’t use both together.

Question 6

Is Medicare free?

Accepted Answer

Part A is usually premium-free if you worked about 10 years. Part B and most Part D and Medigap plans have premiums, plus deductibles and copays.

Question 7

What is Extra Help?

Accepted Answer

A program that helps people with limited income and resources pay Part D drug costs. Apply through Social Security.

Question 8

Where can I get free Medicare advice?

Accepted Answer

Your State Health Insurance Assistance Program (SHIP) offers free, unbiased one-on-one counseling.

Common questions: Medicare at 65