Frequently Asked Questions

Medicare starts on the first day of the month that you turn 65.

However, if you are born on the first day of the month, then Medicare will start on the first day of the prior month that you turn 65.

 Examples:       
DOB:  12/12/57—Medicare starts on 12/1/2022

DOB:  12/1/57—Medicare starts on 11/1/2022

If you are receiving Social Security Cash Benefits, Medicare will automatically send you your Medicare Card in the mail three months before you turn 65.

If you are not receiving Social Security Cash Benefits, you will need to apply for Medicare.  You can apply for Medicare online three months before you turn 65.

Utilization of Doctors, Health History, Genetics, Travel, Budget, Maximum Out of Pocket, etc.

No, they are the same.

To explain the terms themselves, you can think of “Medigap” as a plan that fills in some of the “gaps” for benefits that Original Medicare (Part A and Part B) doesn’t cover.

Yes, there are many differences among the 39 different companies that offer Medicare Supplements/Medigap such as:

            Number of Plans Offered

            Premiums

            Rate Increase History

            Ratings (AM Best, Moodys)

            Rated (Issue Age, Attained, or Community)

            Customer Service

In 2022, there are 583 available in Florida

To avoid a Part D penalty.

• It is an amount that is permanently added to your Medicare Part D premium. You will have to pay this penalty for as long as you have Medicare drug coverage.

Yes, the law states that the policies and premiums must be identical.

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