Q: Is it too late?

Q: Can I still get Part D coverage? A: It’s never too late to get Medicare Prescription Drug Coverage (Part D), however there will be a penalty that’s added to your Part D premium. You may owe a late enrollment penalty if at any time after your Initial Enrollment Period is over, there’s a period of 63 or more days in a row when you don’t have Part D or other creditable prescription drug coverage. You’ll generally have to pay the penalty for as long as you have Part D coverage. Note: If you get Extra Help, you don’t pay a late Read More …

Q: Should I sign up for Part B?

Q: If I am working and have health insurance through an employer, should I sign up for Medicare Part B? A: Choosing to sign up for Medicare is an important decision that involves a number of issues you may need to consider. The decision you make will depend on your situation and the type of health insurance you have. You may be able to delay signing up for Medicare Part B without a late enrollment penalty if you or your spouse (or a family member, if you’re disabled) is working, and you’re getting health insurance benefits based on current employment. Read More …

Medicare 101: A, B, C, D

We demystify Medicare by presenting information to you in a way that makes it much easier to understand.

Filling the Gaps in Medicare

We explain the gaps in Medicare coverage and the options that are available to ensure you have adequate coverage.