FAQ's
FAQ's
We want to make insurance easy to understand. That means being reliable, professional agents, but also a website where you can get answers without the hassle of scheduling an appointment.
Will I be automatically enrolled in Medicare at age 65?
Is there a premium for Medicare?
Should I apply for Medicare If I'm still covered through my job?
How does Medicare affect my HSA?
Is my Medicare plan getting more expensive?
What are the changes to advanced premium tax credits for 2026?
Does Medicare cover dental, vision, and hearing?
over 10k
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We want to make insurance easy to understand. That means being reliable, professional agents, but
also a website where you can get answers without the hassle of scheduling an appointment.
Will I be automatically enrolled in Medicare at age 65?
If you’re turning 65 in 2026 and already receiving Social Security, you’ll typically be enrolled in Medicare Part A and Part B automatically. If you’re not yet collecting Social Security, you’ll need to sign up yourself during your Initial Enrollment Period. From there, you’ll choose between a Medicare Supplement (Medigap) plan, which offers broader provider access and predictable costs, or a Medicare Advantage plan, which bundles benefits through a provider network. A local Medicare broker can walk you through a turning-65 Medicare checklist so you know exactly what to expect, with no guesswork or pressure.
Is there a premium for Medicare?
Yes, most people pay a monthly premium for Medicare Part B, and some pay an additional premium for Part D prescription drug coverage depending on the plan they choose. The amount depends on your income and work history, with most people’s total monthly costs landing somewhere between $200 and $400. If you’re still working, it’s worth comparing your Medicare costs against what you’re paying for employer coverage, and we’re happy to walk through that comparison with you.
Should I apply for Medicare If I'm still covered through my job?
It depends on the size of the employer you’re covered through. If your employer has 20 or more employees, your group health plan is usually primary, and you can typically delay Medicare Part B without a penalty until that coverage ends. If your employer has fewer than 20 employees, Medicare usually becomes primary once you’re eligible, so you’ll likely want to enroll in both Part A and Part B right away to avoid a gap in coverage. Every situation is a little different, so we recommend reviewing your specific plan with one of our licensed agents before you decide, at no extra cost to you.
How does Medicare affect my HSA?
Once you enroll in Medicare Part A, the IRS no longer allows you to contribute to a Health Savings Account (HSA), even if you keep other coverage alongside Medicare. Because Part A enrollment can be retroactive up to six months once you start collecting Social Security, many people stop contributing to their HSA about six months before they plan to enroll, so there are no surprises at tax time. The good news is that the funds already in your HSA stay yours, and you can keep using them tax-free for qualified medical expenses even after you’re on Medicare. We’re happy to help you time this transition.
Is my Medicare plan getting more expensive?
Medicare Part A and Part B costs are going up somewhat in 2026, with Part B premiums rising by about 10% along with the deductibles and coinsurance for both parts. Depending on your income, you may also see Part B and Part D surcharges. Each year, your plan will also send you an Annual Notice of Change (ANOC) in September outlining what’s changing for the coming year, and we recommend reviewing it together with us so you understand exactly how it affects your coverage and costs, at no extra cost to you.
What are the changes to advanced premium tax credits for 2026?
Open Enrollment for 2026 brings some notable changes, including updates to automatic re-enrollment, subsidy amounts, plan designs, and income verification requirements. Bronze plans now qualify as HSA-compatible, which is a helpful option for some households. Because income documentation requirements are stricter this year, it’s worth having an agent review your specific numbers with you ahead of time so your subsidy carries over smoothly. We can walk you through exactly what’s changed and what it means for your plan.
Does Medicare cover dental, vision, and hearing?
Original Medicare doesn’t cover routine vision or hearing care, dental work, annual physicals, or long-term care. Many people choose a separate dental, vision, and hearing plan, or a Medicare Advantage plan that bundles some of these benefits, to fill that gap. We can help you compare your options so you have a clear picture of what’s covered and what isn’t, at no extra cost to you.
What's the difference between Medicare Advantage and Medicare Supplement (Medigap)?
Medicare Advantage and Medicare Supplement (Medigap) are two different ways to round out your Original Medicare coverage, and you can only choose one. A Medicare Advantage plan bundles your hospital, medical, and usually prescription drug coverage into one plan through a provider network, often with extra benefits like dental or vision. A Medicare Supplement plan instead works alongside Original Medicare to help cover the gaps, like deductibles and coinsurance, and lets you see any provider who accepts Medicare, usually for a higher monthly premium. Which one makes sense depends on your health needs, budget, and how much flexibility you want in choosing providers. We can walk you through both side by side.
When is Medicare's Annual Enrollment Period?
Medicare’s Annual Enrollment Period runs from October 15 through December 7 each year. During this window, you can switch between Medicare Advantage and Original Medicare, change Medicare Advantage plans, or switch your Part D prescription drug plan, with any changes taking effect on January 1. It’s a good time to review your coverage even if you’re happy with your current plan, since plan costs and benefits can change from year to year.
What's the difference between a deductible, premium, and copay?
A premium is the amount you pay, usually monthly, just to have your insurance plan, whether or not you use it. A deductible is the amount you pay out of pocket for covered care before your plan starts sharing the cost. A copay is a flat fee you pay for a specific service, like a doctor’s visit or prescription, often even after you’ve met your deductible. Understanding how these work together can make a big difference in choosing the right plan for your budget, and we’re happy to walk through an example with your specific numbers.
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over 100
Carriers Nationwide
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Address:
462 E King Rd. Malvern, PA 19355
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