Do I have to enroll in Medicare when I turn 65?

Not always.

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If you or your spouse are still working and you have qualifying employer coverage, you may be able to delay Part B without a penalty. We'll review your coverage and help determine the right timing.

 

Can I keep my employer insurance?

In many cases, yes.

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Whether you should keep your employer coverage, enroll in Medicare, or combine the two depends on your employer's plan and your individual circumstances.

We'll compare your options together.

 

Will I pay a penalty if I wait?

It depends.

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Some people can delay Medicare without a penalty, while others may face late enrollment penalties if they miss important deadlines.

We'll review your eligibility and help you avoid costly mistakes.

 

Can I keep my doctors?

That depends on the Medicare coverage you choose. We'll review your preferred doctors and providers when comparing your options.

 

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage and Medicare Supplement plans each offer different benefits and work differently with Original Medicare.

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We'll compare both options based on your doctors, prescriptions, travel plans, and budget to help you determine which is the better fit for you.

 

How much will Medicare cost?

Your Medicare costs depend on several factors, including the coverage you choose and your individual circumstances.

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We'll review premiums, deductibles, and potential out-of-pocket expenses so you know what to expect.

 

Do I need a prescription drug plan?

Even if you take few or no medications, prescription drug coverage may still be important.

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We'll review your medications and whether you already have creditable drug coverage to help determine what's appropriate for you.

 

What happens if I move?

If you move, your Medicare coverage options may change depending on where you relocate.

I'll help you understand your options and make any necessary coverage changes.

 

What if I'm already receiving Social Security?

If you're already receiving Social Security benefits, you may be automatically enrolled in Medicare Parts A and B.

 

​We'll review your enrollment status and discuss any additional coverage you may need.

 

Can I change plans later?

Yes.

 

Depending on your situation, you may have opportunities to change coverage during certain enrollment periods.

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Do I really need supplemental insurance?

Not everyone does.

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Hospital indemnity, cancer, critical illness, and similar coverage may help with certain expenses not covered by your primary health insurance. We'll look at what you already have and whether additional protection makes sense.

 

What does life insurance cost?

Life insurance is often more affordable than people expect.

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The cost depends on factors like your age, health, and the type of coverage you choose, and I'll help you explore options that fit your budget.

 

Can I qualify if I have health conditions?

Many people are surprised to learn they still have life insurance options, even with certain health conditions.

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We'll review your situation together and discuss the coverage that may be available to you.

 

How do I know if I already have enough coverage?

We'll review the protection you already have and discuss whether there are any gaps that could leave you or your family financially vulnerable.

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Sometimes you'll discover your current coverage is enough—and if it is, I'll tell you.

 

Can supplemental insurance work with my current coverage?

Supplemental insurance is designed to complement—not replace—your primary medical coverage.

We'll review what you already have and discuss whether additional protection could help fill meaningful gaps.

 

Can I review my existing policies?

Absolutely.

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If you already have life or supplemental insurance, I'm happy to review your current policies with you.

Together, we'll make sure you understand what you have and determine whether it still meets your needs.