Sometimes Good Questions Are Tough to Find

Choices, Criteria, and Decisions

  • What are the important considerations when selecting a plan?

  • What are the common pitfalls when enrolling?

  • How are Medicare Parts A, B, C & D different from Medicare Plans A, B, C & D?

  • Can I keep my doctors?

  • What is the difference between Medicare Supplement and Medicare Advantage?

  • How does Medicare compare to my current group coverage?

  • What is creditable coverage?

  • What is original Medicare?

  • What are the good and bad things about Medicare?

  • What are provider networks?

  • What are drug formularies?

  • How do I get coverage with the insurance company I trust the most?

  • Are my specific medications covered by the plan that I want?

  • Does Medicare cover dentistry?

  • Does Medicare cover eyeglasses and contact lenses?

  • What insurance companies can and do insurance agents represent?

  • What ethical obligations constrain how insurance agents communicate with and treat the public?

  • Why do certain insurance plans not accept my doctor?

  • Can I change my doctors and hospital whenever I want?

  • How does Medicare work when I travel?

  • Why is there so much repetitive information?

Process and Timing

  • When should I enroll in Medicare?

  • What are the enrollment steps?

  • Why can't I enroll in Medicare and in a Medicare health plan at the same time?

  • Do I sign up for Social Security at the same time I sign up for Medicare?

  • Some insurance agents pressure people with deadlines. Are there deadlines that are unknown to most people getting on Medicare?

 

Money, Costs & Penalties

  • I hear there are penalties if I do not enroll properly. How do I avoid those penalties?

  • Are there Medicare premiums?

  • How much will Medicare cost me?

  • I hear the government sometimes gives money to seniors to cover their health care. Is that legitimate?

  • How do insurance agents get paid?

  • How can insurance agents sell insurance plans from the government when the agents are not employees of the government?

  • What does maximum out of pocket mean?


 

Preparing for the Hoopla around One’s 65th Birthday

  • Why do I get so much mail from Medicare?

  • Am I forced to leave employer coverage?

  • Am I forced to join Medicare or its plans?

  • Why can't I help customize the design of my own plan?