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Frequently Asked Questions

 01  How do I qualify for Medicare?

U.S. Citizens and legal residents qualify by meeting one of the following requirements:

  • Age 65 or older

  • Younger than 65 with a qualifying disability *eligibility begins after 24 months of SSD benefits

  • Any age with a diagnosis of end-stage renal disease or ALS

  • How do I sign up for Medicare?


If you are receiving Social Security or Railroad Retirement Board benefits when you become eligible for Medicare, you will be automatically enrolled in Medicare Parts A and B. You’ll receive your card in the mail. If you are not receiving benefits, you will need to sign up for Medicare when you become eligible. Go to to enroll online or call or visit your local Social Security office.




 02 How does Medicare work when I still have employer insurance?

If you have health insurance through your employer, you may decide to delay your Medicare enrollment. If you have credible coverage through your employer you can qualify for a Special Enrollment Period when you decide to retire or leave that employer coverage. It is important to start the process while you are still covered by your employer as the enrollment process can take some time. You want to avoid going without coverage to avoid future penalties.




 03 What is the difference between a Medicare Advantage plan and a Medicare Supplement?

Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B often with Part D and other types of coverage. Medicare Supplement is additional coverage you can buy if you have Original Medicare Part A and B.




 04  Do I need a Part D prescription drug plan if I don’t take any drugs?

Even if you don’t take any prescriptions currently, it is still important to have drug coverage to avoid a future Part D penalty. There are some plans available that have a low premium that would be sufficient.

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