Question 1

What is the difference between Medicare Advantage and Medicare Supplement?

Accepted Answer

Medicare Advantage bundles your coverage into one plan from a private company, usually with a network of doctors and often including drug coverage. A Medicare Supplement works alongside Original Medicare instead, helping with costs like deductibles and coinsurance, and lets you see any doctor who accepts Medicare. Neither is better for everyone. The right answer depends on your doctors, your health, your travel habits, and your budget.

Question 2

When can someone enroll in Medicare after turning 65?

Accepted Answer

Most people get a seven month window around their 65th birthday: the three months before their birthday month, the birthday month itself, and the three months after. Missing it can mean waiting periods or lasting penalties, so it pays to start the conversation early. Certain situations, like still working with employer coverage, change the timing, and we can walk you through yours.

Question 3

What does Medicare Part D cover?

Accepted Answer

Part D is Medicare's prescription drug coverage, offered through private plans. Each plan has its own list of covered medications and its own preferred pharmacies, which is why the best plan for your neighbor may be wrong for you. We compare plans against your exact medication list before you enroll.

Question 4

Does it cost anything to work with a licensed insurance agent?

Accepted Answer

Nothing. Licensed agents are paid by the insurance companies, and the price of a plan is the same whether you enroll through an agent or on your own. The difference is that you get a real person who knows your situation, helps you compare, and picks up the phone when something changes.

Medicare Coverage

Medicare Advantage

Medicare Supplement

Medicare Part D

Medicare Resources

Medicare Open Enrollment

Turning 65 in Los Angeles

Medicare Advantage vs Medicare Supplement

Working Past 65 in Los Angeles

Medicare Questions

Questions About Medicare?