Frequently Asked Questions
Navigating Medicare can feel overwhelming — but it doesn’t have to be. At Premier Insurance Solutions, we believe clear answers bring peace of mind. Below, you’ll find straightforward explanations to the most common questions our clients ask. If you don’t see your question listed, we’re just a phone call away.
Medicare Frequently Asked Questions
When should I sign up for Medicare if I'm turning 65?
You should sign up for Medicare during your Initial Enrollment Period, which begins three months before your 65th birthday, includes your birthday month, and ends three months after your birthday month. Delaying could result in penalties unless you qualify for a special enrollment period.
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What are the different parts of Medicare?
Medicare has four parts: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription Drug Coverage). Choosing the right combination depends on your healthcare needs and budget.
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Do I need to do anything if I'm already getting Social Security?
If you're receiving Social Security, you will be automatically enrolled in Medicare Parts A and B at 65. You should still review your Part D and Medicare Advantage options.
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Will I be penalized if I wait to sign up for Medicare?
Yes. If you delay Medicare without creditable coverage, you may face lifelong late-enrollment penalties for Medicare Part B and Part D.
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What does Medicare Part A cover?
Hospital stays, skilled nursing facility care, hospice care, and some home health services.
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What does Medicare Part B cover?
Doctor visits, outpatient services, preventive care, tests, and durable medical equipment.
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What does Medicare Part D cover?
Prescription drugs. All plans have different formularies, so coverage varies.
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What's the difference between Original Medicare and Medicare Advantage?
Original Medicare offers nationwide access to any Medicare-accepting provider. Medicare Advantage uses private carriers, networks, and may include extra benefits like dental, vision, and drugs.
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Do I need a Medicare Supplement (Medigap)?
Medigap helps cover deductibles, copays, and coinsurance that Medicare doesn't pay. Many choose it for predictable costs and nationwide freedom.
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How much does Medicare cost?
Part A is usually free. Part B has a monthly premium set by the government. Prescription drug and advantage plan prices vary by insurer.
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Can I stay on my employer's insurance and delay Medicare?
Yes — if your employer has 20+ employees and the coverage is creditable. Otherwise, penalties may apply.
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Does Medicare cover dental, vision, or hearing?
Not under Original Medicare. Some Medicare Advantage plans offer those benefits.
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Does Medicare cover long-term care?
No. Medicare does not cover custodial care, assisted living, or most nursing home costs.
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Can I keep my current doctor?
With Medicare + Medigap, yes. With Advantage plans, only if they are in the network.
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How do I know if my prescriptions are covered?
Check the plan's formulary. Every Part D and Medicare Advantage plan has a different drug list.
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What is the Medicare Part D "donut hole"?
A temporary coverage gap where your prescription costs may rise after reaching a spending limit.
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Can I change Medicare plans later?
Yes — during Annual Enrollment (Oct 15–Dec 7), Open Enrollment (Jan 1–Mar 31), or qualifying life events.
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Does the plan I choose matter if I'm healthy?
Why do some Medicare Advantage plans advertise $0 premiums?
You pay no extra monthly premium beyond Part B, but still may have copays, deductibles, and network limits.
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How is a Medicare Supplement different from Medicare Advantage?
Supplements pay after Medicare; no networks. Advantage replaces Medicare; uses networks and copays.
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Do I need to meet with an agent in person?
No. Reviews and enrollments can be done by phone, online, or via video.
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Schedule Your Medicare Review
Why work with an independent agent?
Independent agents compare carriers and plans — companies don't tell you when another insurer has a better price.
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Schedule Your Medicare Review
How long does the Medicare enrollment process take?
Most Turning-65 reviews take 20–30 minutes; enrollment takes only a few minutes.
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What does it cost to work with Premier Insurance Solutions?
What documents do I need, and what if I'm overwhelmed?
You only need your Medicare card, prescriptions, preferred pharmacy, and doctor list. If you're overwhelmed, an agent will walk you through everything step-by-step.
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Not Sure Where to Start?
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Not connected with or endorsed by the United States government or the federal Medicare program. 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. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program.
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