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FAQ's

What is the difference between Medicare Advantage and Medicare Supplement (Medigap)?

Medicare Advantage (Part C) is an all-in-one plan offered by private insurance companies that replaces Original Medicare and often includes extra benefits like dental or vision. Medicare Supplement plans work with Original Medicare to help cover out-of-pocket costs like copays and coinsurance.

Do I have to pay for Medicare?

Yes, while Part A is usually free if you’ve worked and paid Medicare taxes for 10 years, Part B has a monthly premium. Medicare Advantage and Part D drug plans may also have premiums depending on the plan you choose.

Can I keep my current doctor?

It depends on the plan. If you're in a Medicare Advantage HMO, you’ll need to use doctors in your plan’s network. PPOs allow more flexibility, but you’ll pay more for out-of-network providers.

When can I enroll in Medicare?

Your Initial Enrollment Period begins 3 months before the month of your 65th birthday, includes your birthday month, and ends 3 months after. There are also Special Enrollment Periods and Annual Enrollment Periods depending on your situation.

What happens if I don’t enroll in Part D prescription coverage?

If you don’t have creditable drug coverage and delay enrolling in a Part D plan, you may have to pay a late enrollment penalty when you sign up later.

Can I switch plans after I enroll?

Yes. You can make changes during the Annual Enrollment Period (Oct 15 – Dec 7) or under certain circumstances during Special Enrollment Periods.

What does Medicare not cover?

Routine dental, vision, or hearing exams, Hearing aids, Long-term custodial care, Eyeglasses or contact lenses, Prescription drugs (unless you have Part D or a Medicare Advantage plan with drug coverage)

How do I get help choosing the right plan?

You can get in contact with us directly by filling out the form on this page to connect with a licensed agent. We’ll walk you through your options and help you find the plan that best fits your health and financial needs.

Office: 3333 Warrenville Rd Ste 200 Lisle, IL 50532

Call 855-223-2189

Site: www.thefortislife.com

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