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"easyMedicare made getting the coverage I deserved easy and saved me a great deal of money."

- Joe Theismann

Joe Theismann - NFL MVP and Super Bowl Champion

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Medicare and Turning 65: 7 Questions to Ask Your Agent

The closer the deadline gets, the more your Initial Enrollment Period (IEP) can weigh on the mind. It isn’t just the pressure that comes from wanting to ensure you have adequate coverage. People nearing Medicare eligibility often also worry about the cost of the coverage they need.

Working with a great insurance agent, a license holder representing more than one insurance company, can help ease your anxieties about securing Medicare coverage. But it’s also important to know what questions you should ask. The following questions can help you in finding coverage and choosing a plan that’s a good fit for your needs.

What are the costs?

The Centers for Medicare & Medicaid Services (CMS) publishes insurance premiums for each year, so it’s fairly straightforward to find out how much you can expect to pay for Original Medicare (Part A and Part B). However, the costs of Medicare Advantage Plans and Medicare Supplement Plans vary among private insurers. An agent licensed to represent some or all of the top Medicare insurers could potentially give you insurance quotes from all of the plans offered in your area.

What key benefits aren’t included in Original Medicare?

You may know that Original Medicare includes some dental and vision coverage and think that it covers all you need. In fact, only a few specific services are covered. Many common services and medical equipment that aren’t covered by Original Medicare, like:

  • Hearing aids
  • Hearing exams
  • Eye exams
  • Most preventive dental procedures
  • Cosmetic dentistry
  • Dentures and dental implants
  • Foot exams
  • Long-term care
Are there home care benefits?

While long-term care services such as home healthcare aren’t offered by Original Medicare, many Medicare Advantage (Part C) plans off such benefits. If you’re interested in having additional healthcare help in the comfort of your home, ask your agent about Medicare Advantage plans that can offer you the assistance you need.

 

When can you change your plan? Can you keep your doctor? Keep reading for these answers and more!