Frequently Asked Question

With an attained-age policy, your premiums are based on how old you are at the time you enroll. You’ll pay less initially, but as you get older, the premiums may increase.

But keep in mind that all Medicare Supplement Plans will increase in cost over time, even if you don’t opt for an attained-age policy. Plus, the premium increases for an attained-age policy are usually reasonable because each state’s Department of Insurance has to approve the new price before it can take effect.

A Medicare SELECT policy is a Medigap plan that limits you to a specific network of hospitals and doctors. If you have one of these policies, your providers will charge less for services than if you had another plan.

While this sounds like a good deal, you need to weigh the pros and cons carefully first. You see, it’s true that your premiums will be slightly lower. But at the same time, many hospitals and providers won’t be in your network.

Plus, a SELECT policy doesn’t cover any of the 20% of costs left over after Medicare pays their 80%. Get in touch with us today to go over these details and determine if a SELECT policy is right for you!

Medicare Supplement Plan F, also known as Medigap Plan F, will cover 100% of your out-of-pocket expenses, such as copays, deductibles, and coinsurance. You can think of Plan F as the Cadillac of Medigap plans.

Whether you need a diagnostic exam, a hospital stay, or a doctor’s visit, you’ll simply present both your Medicare card and your Medigap Plan F card. So long as Medicare approves the specific service, you’ll be good to go.

But if you choose Plan F, be sure to stay aware of which services Medicare doesn’t cover. If Medicare won’t cover it, neither will your Plan F—and you’ll be on the hook for the costs.

No, Plan G isn’t part of Medicare Advantage. Plan G is a Medicare Supplement Plan, also known as a Medigap plan. If you’re a member of Original Medicare, Plan G is one of 10 supplemental plans you can choose from.

Yes, in most scenarios, Medicare will cover your screening colonoscopies at 100%. Currently, the rules allow for this once every two years if you have a high risk of developing colon cancer. If you aren’t a high-risk patient, Medicare will cover a colonoscopy once every 10 years.

If you or your doctor believes you should be getting annual colonoscopies, you’ll likely be responsible for paying some of the costs.

Medicare brokers like us are paid by the insurance companies we’ve partnered with. This is great news for you because it means you never pay anything for our help. Our service to you is 100% free because our licensed agents receive a commission from the insurance providers.

No, Medicare Plan G doesn’t cover prescription drugs. It only covers your Part A and Part B costs. This is why it’s important to consider joining a Medicare Advantage plan or a Part D plan that includes coverage for your prescriptions.

With Medicare Plan G, the only deductible you’re responsible for is the one related to Part B. So, while you technically aren’t paying it for Plan G, you are still paying a deductible. In 2024, the deductible is $240.

There is no out-of-pocket maximum for Medicare Plan G, but it still helps reduce what you pay for medical and hospital expenses. Between Medicare and Plan G, you’ll have full coverage for most of your medical costs.

No, Medicare Plan G won’t cover your gym membership because this isn’t an included benefit. Certain Medicare Advantage plans offer this perk, but it’s not guaranteed to always be included. Consider looking for a Medigap insurance provider who includes discounted gym memberships if this is important to you.

Medicare Part D will 100% cover the shingles vaccine, even if you haven’t yet met your plan’s deductible. Keep in mind that you have to choose to sign up for Part D—you aren’t automatically enrolled. You can get the vaccine at a local pharmacy in your plan’s network.

No, Medicare won’t pay for any of your dental services, including routine appointments. In rare cases, Medicare may cover a dental service directly related to a health issue you’re dealing with. For example, if dental services are ordered by a specialist as part of the treatment for oral cancer, Medicare may cover some costs.

Standalone dental insurance is a very reliable way to ensure you can get affordable dental care, whether for a routine cleaning or an urgent issue.

Yes, whether you have Original Medicare or Medicare Advantage, it will cover some of the costs related to your cataract surgery. Specifically:

• Part B will cover 80% of the outpatient surgery once you’ve met your Part B deductible.
• Part A will cover your hospital stay if you have surgery in a hospital rather than an outpatient clinic. For an inpatient stay, you’ll need to meet your Part A deductible before the coverage kicks in.
• Part D will pay for eye drops and medications prescribed by your doctor before and after the surgery.

Medicare may cover your ambulance ride, but the rules and regulations are very specific. If you don’t follow them, you’ll be responsible for the expenses.

For example, you have to be transported to the nearest facility that can provide you with the emergency medical care you need.

It also depends a bit on whether you’re experiencing a medical emergency. If the ambulance ride is medically necessary, but not due to an emergency, Medicare Part B may cover some of the costs.

No matter what though, these three things are true when it comes to Medicare and ambulance coverage:

• If necessary, Medicare will cover either a ground ambulance or an air ambulance.
• You’ll need to meet your annual Part B deductible before coverage kicks in.
• You’ll still be responsible for the 20% coinsurance unless you have a Medigap plan that covers it at 100%.