Frequently Asked Questions

No Cost To You to Use Our Services

The most important part of the decision-making process is to be sure you have all the facts about your specific set of circumstances and that you work with a knowledgeable and well-trained professional health insurance agent. There is no cost to you to use our services and tap into our knowledge. Appointments can be made to meet at our office or your home. We can also do a virtual meeting. We are committed to helping protect your health by taking all expert recommended precautions. Reach us by phone at 443-299-6854 or by email at

What is Medicare and what does it cover?

Medicare is a federal health insurance program for individuals 65 or older, and individuals under 65 who have a qualifying disability or health condition. Medicare covers medically necessary hospital stays and outpatient care. Medicare plans, through private companies, are available for drug coverage as well.

What is Medicare Part A?

Part A is hospital insurance that covers in-patient hospital or skilled nursing facility
confinement/admittance. Medicare alone does not cover 100%. There is no monthly premium for Medicare Part A.

What is Medicare Part B?

Part B is medical insurance that covers outpatient services, tests, and supplies. There is a monthly premium for Medicare Part B.

What is Medicare Advantage or Part C?

A Medicare approved, but different way to get your Medicare benefits. Medicare Advantage plans (Part C) can combine Parts A, B, and D in a single plan. Medicare Advantage plans can also cover routine vision, dental, and hearing coverage, fitness benefits and wellness programs, and more. Medicare Advantage plans have an annual limit on out-of-pocket costs on covered
services. Not all plans are available in all locations. We find out which plans are available in your area, and then compare the benefits to determine the best fit for your specific needs.

What is Medicare Part D?

Generally, Part D is prescription drug coverage through a Medicare approved plan. Medicare alone doesn’t cover prescription drugs. Prescription drug coverage, also known as Medicare Part D, is available separately through private insurance companies approved by Medicare. You get prescription drug coverage either through a standalone Part D plan (PDP) or a Medicare Advantage plan (MAPD) that includes prescription drug benefits.

What is Medicare Supplement/Medigap?

A Medicare Supplement (Medigap) plan helps with some of the out-of-pocket costs that Medicare doesn’t pay, like coinsurance and copayments. It doesn’t cover prescription drug costs.

Does Medicare cover vision, dental, or hearing care?

Medicare doesn’t cover routine vision or dental care, eyeglasses, or hearing aids. Medicare Advantage (Part C) plans can. We compare the benefits of all plan options to determine the best fit for your specific needs.

What is the coverage gap or donut hole?

The Donut Hole is also known as the Coverage Gap. These terms describe Medicare’s coverage limits on medication costs.

What is Extra Help?

The “Extra Help” program is a financial assistance program for people with low incomes and limited assets.

What is the Medicare Initial Enrollment Period (IEP)?

The Medicare Initial Enrollment Period (IEP) is a seven-month period that includes your 65th birthday month, the three months before and the three months after, or it is based on the date your Social Security disability benefits start.

What if I’m 65, but I’m still working? Do I still need to sign up for Medicare?

If you’re still working when you turn 65, you still need to make some decisions around Medicare – even if you’re covered by your employer’s health plan. When you turn 65, you may want to enroll in Medicare Part A, which is premium free.

Can I get more information prior to enrolling in Medicare?

Yes! People often like to know what’s coming well before Medicare starts. Call anytime for answers or schedule a meeting to get an overview of options.

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Book your free consultation today