Not connected with or endorsed by the United States government or the Federal Medicare program.

Q. If a person has group insurance through an employer, should a Medicare Supplement also be purchased?

A. This can be a tricky question an experienced agent can help you with because you do not want to pay for something unnecessarily.

Q. Can you explain what an Open Enrollment Period is?

A. This is the best time to purchase a supplement, which is the first 6 months a person is on Medicare Part B. During the Open Enrollment Period the Medicare Enrollee does not have to go through underwriting. The Enrollee can purchase any of the 10 Medicare Supplement Plans and not be declined. The Medicare Part B start date on your Medicare card tells you when your Open Enrollment period began.

Q. What about RX coverage?

A. That can be obtained through a Medicare Part D program. Please ask for our help!

Q. Of the 10 Medicare Supplement Plans, which is the most popular?

A. The answer may vary depending on the state you live in, but generally speaking the most popular plan is probably Plan F. This covers all the deductibles and all the coinsurance. All Medicare approved expenses are covered by either Medicare or the supplement. Plan G is also very popular. The primary difference is Medicare Supplement Plan G does not cover the Medicare Part B deductible and Plan F does.

Q. Do Medicare Supplements make you to certain doctors and hospitals?

A. Medicare Supplements provide a great deal of flexibility. You are able to go to any U.S. doctor or hospital as long as Medicare is accepted unless it is a Select plan. Select plans specify the hospitals you can to use.

Q. Are preventative services covered by Medicare?

A. The list of Medicare approved preventative services includes diabetes services, prostate cancer screenings, mammogram screenings, pap tests and pelvic screenings, and vaccination shots.