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Original Medicare – FAQs
Q: What is Medicare?
Q: What is the difference between the terms "Medicare" and "Original Medicare"?
Q: Can someone have both Medicare and Medicaid?
A: Yes. Some people with lower incomes qualify for both programs at the same time.
Q: Is Medicare the same as Medicaid?
A: No. Medicaid is a jointly-run federal and state program for people wth lower incomes who meet the income and asset limits and are age 65 or over, blind, or have a disability.
Q: Does Medicare include coverage for prescription drugs?
Q: What are the parts of Medicare?
Part A: Hospital care: Covers care you receive in inpatient hospital settings.
Part B: Medical care : Covers your doctor visits, lab work, durable medical equipment, outpatient services, etc.
Part C (Medicare Advantage or Medicare Health Plans): Optional, privately-run health plans that substitute for Original Medicare as long as you have the plan, and sometimes include Part D. These plans must provide the same benefits as Original Medicare, but may provide them in a different way (such as with different copays or coinsurance). If you leave a Medicare Advantage plan, you return to Original Medicare.
Part D: Optional, privately-run prescription drug plans. These may be stand-alone plans covering prescriptions only, or be included in a Medicare Advantage plan.
Q: Is there a cost for Medicare?
Q: What does a Medicare card look like?
Q: Can I enroll in Medicare outside of my seven month window?
A: Always check with Medicare but the usual special timeframes are:
Q: How do I join original Medicare?
If you have not yet applied for Social Security benefits: You will need to enroll in the parts of Medicare that fit your situation. This will not happen automatically. You may join Medicare Parts A and B during your Initial Enrollment Period – the seven month window surrounding the month of your 65th birthday. This includes the three months before your birthday month, the month of your birthday, and the three months after your birthday month.
Q: What is the Late Enrollment Penalty (LEP)?
Q: Are there programs to help me pay for Medicare and my Part D Plan?
Q: Why would I join a Medicare Advantage plan instead of staying in Original Medicare?
No health screening. Some people, especially those with disabilities who are under age 65, may not qualify for a Medigap/Medicare Supplement plan due to their health. Unless people have End Stage Renal Disease, they can join a Medicare Advantage plan regardless of health.
Q: What questions should I consider when choosing between a Medicare Supplement and Medicare Advantage program?
Q: Why would I stay in Original Medicare with a Medigap instead of joining Medicare Advantage?
Q: Are you leaving a Medigap plan?
Q: What is a Medicare Select Policy?
Q: If I choose a Medicare Advantage plan, do I have to keep it forever?
If you choose a Medicare Advantage plan when you first get Medicare and then decide within 12 months it is not right for you, you may have rights to rturn to Original Medicare and buy a Medigap plan instead. Also, if you left a Medigap plan for a Medicare Advantage plan, you might be able to return to that Medigap plan within 12 months. Keep in mind your premium could be different than when you left.
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Allboc Insurance Solutions, LLC is a licensed and certified representative of a Medicare Advantage (HMO, PPO, and PFFS) organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal. By completing the contact form above or calling the number listed above, you will be directed to a licensed sales agent who can answer your questions and provide information about Medicare Advantage, Part D or Medicare supplement insurance plans. Availability of carriers and products are dependent on your resident zip code.
The purpose of this communication is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. 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.
*Allboc Insurance Solutions and UpgradeMyMedicare are not affiliated with any governmental program or agency. Plans can only be changed during certain times of the year.
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