Question 1

What is Medicare?

Accepted Answer

Medicare is federal health insurance. It covers people age 65 or older. It also covers some younger people with disabilities, and people with End-Stage Renal Disease or ALS.

Question 2

Who can get Medicare?

Accepted Answer

Most people become eligible at 65. Some people qualify earlier because of a disability, End-Stage Renal Disease, or ALS. Eligibility is set by Medicare, not by Medicare Leads.

Question 3

What are the parts of Medicare?

Accepted Answer

Part A is hospital insurance. Part B is medical insurance. Together they are often called Original Medicare.

Part C is Medicare Advantage, offered by private companies that contract with Medicare. Part D is prescription drug coverage. A Medigap policy can help pay some costs that Original Medicare does not cover.

Question 4

What is Medicare Advantage?

Accepted Answer

Medicare Advantage, or Part C, is a plan from a private company that contracts with Medicare. These plans include Part A and Part B, and many include Part D and extra benefits such as dental, vision, or hearing.

Plan types include HMO, HMO SNP, PPO, PPO SNP, and PFFS. Enrollment depends on the plan contract staying in force with Medicare.

Question 5

When can someone enroll?

Accepted Answer

The Initial Enrollment Period is the seven-month window around the month a person turns 65. The Annual Enrollment Period runs from October 15 through December 7. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31.

Outside those windows, a person generally needs a Special Enrollment Period to join or switch plans.

Question 6

What is a Special Enrollment Period?

Accepted Answer

A Special Enrollment Period is a time outside the usual enrollment windows when someone can join, switch, or drop a plan because of a qualifying event. Examples include moving, losing other coverage, or qualifying for Extra Help.

Not every life change creates a Special Enrollment Period. Medicare.gov lists the situations that do.

Question 7

Do all plans include the same benefits?

Accepted Answer

No. We do not offer every plan available in an area. Benefits, premiums, deductibles, copays, and drug coverage vary by carrier and location. Not every plan includes dental, vision, hearing, or other extras.

For every option in an area, contact Medicare.gov or 1-800-MEDICARE, 24 hours a day, 7 days a week.

Question 8

Is Medicare Leads part of the government?

Accepted Answer

No. medicareleads.com is powered by Astoria Company, LLC, a non-government entity. It is not connected with or endorsed by the U.S. government or the federal Medicare program.

This website is an advertisement. It sells Medicare leads, inbound calls, and live transfers to agents and agencies. It does not enroll people in a plan.