Medicare Frequently Asked Questions
I know Medicare can feel overwhelming. Here are some of the most common questions I hear — with plain answers. If you don’t see your question, call (360) 472-4261 or book a free consultation.
General Questions
Q: When do I first sign up for Medicare?
A: Most people enroll during their Initial Enrollment Period (IEP) — the 7 months around your 65th birthday (3 months before, your birthday month, and 3 months after).
Q: What’s the difference between Medicare Advantage and Medicare Supplement?
A: Advantage (Part C) replaces Original Medicare with a private plan that bundles coverage (often with extras like dental or vision). Supplement (Medigap) keeps Original Medicare but helps pay deductibles, copays, and coinsurance.
Q: Do I need a drug plan?
A: If you don’t have creditable prescription coverage, you’ll want a Part D plan — otherwise you could face late penalties later.
Q: Can I change plans each year?
A: Yes. The Annual Enrollment Period (Oct 15 – Dec 7) lets you review and change your plan for the following year.
Broker / Agent Questions
Q: Do I have to pay you for your help?
A: No — my help is completely free to you. I'm paid by the insurance carriers when you enroll.
Q: What states do you work in?
A: I'm currently licensed in Washington, California, Nevada, Arizona, Idaho, Oregon, Utah, and Missouri. I provide local, in-person support in Vancouver/Clark County and Tacoma/Pierce County (WA), plus remote and phone consultations for all other states. If you're in a different state, I can typically obtain a license within a few days to help you with your Medicare needs.
Q: Are you tied to one company?
A: No — I'm an independent broker, which means I work with multiple carriers so you can compare options side by side.
Q: Can I trust you with my personal information?
A: Yes — I only collect the info needed to review your plan options and enroll you. I don't share or sell your data.
Enrollment & Coverage
Q: What if I’m still working at 65?
A: Depending on your employer coverage, you may be able to delay Part B without penalty. We’ll review your situation together.
Q: What if I miss the deadline?
A: Special Enrollment Periods (SEPs) apply when you lose coverage or move. If you miss both IEP and SEP, you may need to wait until General Enrollment (Jan 1 – Mar 31).
Q: How do I know if my doctor is in-network?
A: We’ll check the provider directories together during your appointment to avoid surprises.
Q: Can I switch from Advantage to Supplement (or vice versa)?
A: Sometimes, but there are rules. Switching back to a Supplement plan may require health questions depending on timing.