Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger people with qualifying disabilities or conditions.

Your Medicare enrollment timing depends on your circumstances. If you’re approaching 65, your Initial Enrollment Period generally begins three months before your 65th birthday month and continues for three months afterward.

Medicare Advantage is an alternative way to receive Medicare benefits through a private Medicare-approved plan. Medicare Supplement insurance, also called Medigap, works alongside Original Medicare to help with certain out-of-pocket costs.

It depends on the plan. Provider networks can vary, so it’s important to check whether your doctors and healthcare providers participate in the plan you’re considering.

Prescription coverage varies by plan. Your medications, dosages, and the plan’s drug formulary can all affect your coverage and costs.

You can compare plans based on factors such as premiums, deductibles, out-of-pocket costs, provider networks, prescription coverage, and benefits. Lynn can help you understand the differences between available options.

No. Medicare does not cover every healthcare expense. Coverage and out-of-pocket costs depend on the type of Medicare coverage you have.

In some circumstances, yes. Medicare has specific enrollment periods when you may be able to change your coverage. Your options depend on your situation and the time of year.

No. You can seek guidance from a licensed Medicare agent to help you understand and compare available options. The goal is to give you information so you can make an informed decision.

You can schedule a conversation with Lynn to discuss your Medicare questions, healthcare needs, and available options.