Medicare Made Simple — Answers to Common Questions
Medicare Enrollment Timing
Most people become eligible for Medicare at age 65. Your Initial Enrollment Period starts three months before your 65th birthday month and ends three months after. Missing this window may result in late enrollment penalties.
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Medicare Advantage vs. Supplement
Medicare Advantage plans bundle hospital, medical, and drug coverage, often with extra benefits. Medicare Supplement plans work with Original Medicare to cover copays, coinsurance, and deductibles. Each has pros and cons based on your health and finances.
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Cost of Working with Rebecca
My services are free to you. As an independent broker, I’m compensated by insurance carriers when I help enroll clients. You never pay a fee for my guidance or time.
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Specialist Referrals
Referral requirements depend on your plan. Some Medicare Advantage plans require referrals for specialists; Original Medicare usually does not. I’ll help you understand the rules for any plan you consider.
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Dual Eligible Special Needs Plans
If you qualify for both Medicare and Medicaid, you may be eligible for a D-SNP, a specialized Medicare Advantage plan coordinating benefits with reduced cost-sharing. I can guide you through your options.
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