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Medicare FAQ
Have Medicare questions? Our team fields thousands of questions about Medicare coverage every year. This Medicare FAQ (Frequently Asked Questions) page is here to help.
Common Medicare Questions
- What is Medicare?
- What is Medigap?
- How Does Avid Health Get Paid?
- What does Plan F cover?
- What does Plan G cover?
- What does Plan N cover?
- Can I change my Medigap policy during the annual enrollment?
- What is an attained-age policy?
- Does any Part D drug plan fully cover the donut hole?
- Does Medicare cover the shingles vaccine?
- What is a Medicare SELECT policy?
- What is Medicare Supplement Open Enrollment?
Medicare Questions about Coverage
New to Medicare with Employer Insurance
The steps you will take will likely be different when you are still working. Many people work past age 65 these days, and this means there are decisions to make.
Should you keep your employer coverage and enroll in Medicare too so that it coordinates with your other insurance? Or is it more cost-effective to leave that employer coverage and choose Medicare as primary insurance and add a supplement?
The answers depend on several factors, such as the size of your employer and how much you pay for your portion of that employer’s coverage. Visit our New to Medicare with Employer Coverage page for a rundown on your options.
Does Medicare cover chiropractic?
Yes, Medicare covers adjustments (subluxation of the spine). It does not cover other services by a chiropractor.
Does Medicare cover vision?
Medicare covers diseases and injuries related to your eye. However, routine eye exams are not covered.
Does Medicare cover eyeglasses?
Only after cataract surgery. To learn more about dental, vision, and hearing coverage, click here.
Medicare Questions about Costs
Is Medicare Free?
Part A is free if you or a spouse have worked at least 40 quarters in the U.S. Part B has a monthly premium. Learn more about Medicare costs here.
Can my employer pay for Medicare Premiums?
No, they should not pay your bill directly. It’s best to pay your own premiums, and your employer can raise your salary to offset the cost of your benefits. Please be aware that your employer also cannot force you off of the employer group plan if you are still working.
Medicare Questions about Supplemental Options
When can I change Medicare Supplement plans?
There is no annual election period for Medicare Supplements. You can change your Supplement plan any time of year, but in most states, you will have to answer medical questions on the application for the new company. The insurance company will do medical underwriting and can accept or decline you. Always wait to make sure the new company approves you before canceling your existing policy.
Can I enroll in both Medigap and Medicare Advantage?
No. Medigap only pays secondary to Medicare if you are enrolled in Original Medicare. Once you enroll in a Medicare Advantage plan, your Medigap plan will not pay secondary. You only need one plan or the other.
Other Medicare Frequently Asked Questions
Our agency receives dozens of Medicare questions from consumers just like you every week. If you’ve got a question you don’t see answered here, try attending one of our free New-to-Medicare webinars. This gives you an opportunity to learn hassle-free in your own home.
Have a Medicare coverage question that you don’t see answered here? Find us on Facebook, where you can submit your questions. We’ll reply free of charge.
Need help immediately? Call us at '561-762-6410' or use the contact form on the right to reach us immediately.
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Avid Health Associates LLC represents Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that have a Medicare contract. A non-government entity powered by Avid Health Associates LLC, a health insurance agency. We do not offer every plan available in your area. Currently we represent 6 carrier organizations which offer 1,252 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Extra benefits require enrollment in an MA plan and depend on whether you are eligible to enroll in an MA plan in your area. Benefits are available only in select areas.
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