Confused about Medicare? You’re not alone! Every week, we speak with individuals and families across Southwest Washington who are unsure about what Medicare covers, how to enroll, and what plan might be best for them. At Your Insurance Gal Agency, we’ve compiled the most frequently asked questions to help you cut through the confusion and feel empowered to make the right choices.
- When can I enroll in Medicare? You can enroll in Medicare during your Initial Enrollment Period, which starts three months before your 65th birthday, includes the month of your birthday, and continues for three months afterward. If you miss this window, you may have to wait for the General Enrollment Period or qualify for a Special Enrollment Period.
We can help guide you through the Medicare enrollment timeline, so you don’t miss important deadlines.
- What’s the difference between Original Medicare and Medicare Advantage? Original Medicare includes Part A (hospital insurance) and Part B (medical insurance), and is provided by the federal government. Medicare Advantage (Part C) is offered by private insurance companies approved by Medicare and often includes extra benefits like dental, vision, and prescription drug coverage.
We explain this in more detail on our Medicare Advantage page and help you decide which option fits your health and lifestyle best.
- Do I need a Medicare Supplement (Medigap) Plan? Medicare Supplement plans help cover out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. Whether or not you need one depends on your financial and medical needs. We can help you compare Supplement vs. Advantage plans so you make an informed decision.
- Does Medicare cover dental and vision care? Original Medicare generally does not cover routine dental and vision care. However, many Medicare Advantage plans include dental, vision, and even hearing coverage. If these benefits are important to you, let us help you find a plan that fits your needs.
- How can I find the right Medicare plan for me? That’s where we come in. Your Insurance Gal Agency works with a wide range of carriers to provide personalized plan comparisons and recommendations based on your medications, doctor preferences, and budget. Our goal is to make Medicare simple and stress-free.
Need More Help? Schedule a free consultation today by calling (360) 771-1155 or click here to Contact Us. We’re local, experienced, and here to guide you every step of the way.
