{"id":1406,"date":"2026-01-29T06:43:22","date_gmt":"2026-01-29T06:43:22","guid":{"rendered":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/?page_id=1406"},"modified":"2026-01-29T11:16:16","modified_gmt":"2026-01-29T11:16:16","slug":"faq","status":"publish","type":"page","link":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/faq\/","title":{"rendered":"FAQ&#8217;s"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_section full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;py-0&#8243;][vc_row gap=&#8221;35&#8243; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1769677482322{margin-bottom: 0px !important;}&#8221; el_class=&#8221;col-md-10 mx-auto&#8221;][vc_column][vc_custom_heading text=&#8221;Medicare Frequently Asked Questions (FAQ&#8217;s)&#8221; font_container=&#8221;tag:h2|text_align:center&#8221; use_theme_fonts=&#8221;yes&#8221; el_class=&#8221;pb-md-5 pb-4&#8243;][vc_toggle title=&#8221;What is Medicare?&#8221; style=&#8221;round&#8221;]Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with disabilities or qualifying medical conditions. It helps cover hospital care, doctor visits, prescription drugs, and other healthcare services.[\/vc_toggle][vc_toggle title=&#8221;When can I enroll in Medicare?&#8221; style=&#8221;round&#8221; css_animation=&#8221;none&#8221;]You can enroll during your Initial Enrollment Period (IEP), which begins 3 months before the month you turn 65, includes your birthday month, and continues for 3 months after. Missing this window may result in late enrollment penalties.[\/vc_toggle][vc_toggle title=&#8221;Do I automatically get Medicare when I turn 65?&#8221; style=&#8221;round&#8221;]Some people are enrolled automatically, while others must sign up.<\/p>\n<ul class=\"list\">\n<li>If you\u2019re already receiving Social Security benefits, you\u2019re usually enrolled automatically.<\/li>\n<li>If not, you\u2019ll need to actively enroll through Social Security.\u200b<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What are the different parts of Medicare?&#8221; style=&#8221;round&#8221;]Medicare is divided into four parts:<\/p>\n<ul class=\"list\">\n<li><strong>Part A<\/strong> \u2013 Hospital insurance<\/li>\n<li><strong>Part B<\/strong> \u2013 Medical insurance (doctor visits, outpatient care)\u200b<\/li>\n<li><strong>Part C (Medicare Advantage)<\/strong> \u2013 Combines Parts A &amp; B and often includes prescription drugs and extra benefits<\/li>\n<li><strong>Part D<\/strong> \u2013 Prescription drug coverage\u200b<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the difference between Original Medicare and Medicare Advantage?&#8221; style=&#8221;round&#8221;]<\/p>\n<ul class=\"list\">\n<li><strong>Original Medicare (Parts A &amp; B)<\/strong> allows you to see any doctor that accepts Medicare nationwide.<\/li>\n<li><strong>Medicare Advantage (Part C)<\/strong> plans are offered by private insurance companies and often include added benefits such as dental, vision, hearing, fitness programs, and prescription drugs.\u200b<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Do I need a Medicare Supplement (Medigap) plan?&#8221; style=&#8221;round&#8221;]Medigap plans help cover out-of-pocket costs not paid by Original Medicare, such as deductibles, copayments, and coinsurance. These plans work only with Original Medicare, not Medicare Advantage plans.[\/vc_toggle][vc_toggle title=&#8221;Does Medicare cover prescription drugs?&#8221; style=&#8221;round&#8221;]<\/p>\n<ul class=\"list\">Original Medicare does not cover most prescriptions. To get drug coverage, you can enroll in:<\/p>\n<li><strong>A <strong>Part D Prescription Drug Plan<\/strong>, or\u200b\u200b<\/strong><\/li>\n<li><strong>A <strong>Medicare Advantage plan<\/strong> that includes drug coverage\u200b\u200b<\/strong><\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How much does Medicare cost?&#8221; style=&#8221;round&#8221;]Costs vary depending on the coverage you choose. Medicare may include:<\/p>\n<ul class=\"list\">\n<li>Monthly premiums\u200b<\/li>\n<li>Annual deductibles\u200b<\/li>\n<li>Copayments and coinsurance\u200b<\/li>\n<\/ul>\n<p>Many plans offer <strong>low-cost or $0 premium options<strong>, depending on eligibility and location.[\/vc_toggle][vc_toggle title=&#8221;Can I keep my current doctor?&#8221; style=&#8221;round&#8221;]This depends on the plan you choose:<\/strong><\/strong><\/p>\n<ul class=\"list\">\n<li>With <strong>Original Medicare<\/strong>, you can see any doctor that accepts Medicare.\u200b<\/li>\n<li>With <strong>Medicare Advantage<\/strong>, your doctor must be in the plan\u2019s network (except for emergencies).\u200b<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What if I\u2019m still working at 65?&#8221; style=&#8221;round&#8221;]If you have employer coverage, your Medicare options depend on:<\/p>\n<ul class=\"list\">\n<li>The size of your employer\u200b\u200b<\/li>\n<li>Whether your employer coverage is considered creditable\u200b\u200b<\/li>\n<\/ul>\n<p>In some cases, you may delay Medicare Part B without penalty.[\/vc_toggle][vc_toggle title=&#8221;What is the Annual Enrollment Period (AEP)?&#8221; style=&#8221;round&#8221;]The Annual Enrollment Period runs from <strong>October 15 to December 7<\/strong> each year. During this time, you can:<\/p>\n<ul class=\"list\">\n<li>Change Medicare Advantage plans\u200b<\/li>\n<li>Switch Part D plans\u200b<\/li>\n<li>Return to Original Medicare\u200b<\/li>\n<\/ul>\n<p>Changes take effect January 1.[\/vc_toggle][vc_toggle title=&#8221;Can I change my Medicare plan after I enroll?&#8221; style=&#8221;round&#8221;]Yes. In addition to the Annual Enrollment Period, you may qualify for a <strong>Special Enrollment Period (SEP)<\/strong> due to life events such as moving, losing coverage, or qualifying for financial assistance.[\/vc_toggle][vc_toggle title=&#8221;Does Medicare cover dental, vision, or hearing?&#8221; style=&#8221;round&#8221;]Original Medicare generally does <strong>not<\/strong> cover routine dental, vision, or hearing care. However, many <strong>Medicare Advantage plans<\/strong> include these benefits.[\/vc_toggle][vc_toggle title=&#8221;What happens if I miss my Medicare enrollment period?&#8221; style=&#8221;round&#8221;]You may face:<\/p>\n<ul class=\"list\">\n<li>Late enrollment penalties\u200b<\/li>\n<li>Delays in coverage\u200b<\/li>\n<\/ul>\n<p>Speaking with a licensed Medicare professional can help you understand your options and avoid unnecessary costs.[\/vc_toggle][vc_toggle title=&#8221;Is there help available to choose the right Medicare plan?&#8221; style=&#8221;round&#8221;]Yes. A licensed Medicare agent can:<\/p>\n<ul class=\"list\">\n<li>Explain your options clearly\u200b<\/li>\n<li>Compare plans side-by-side\u200b<\/li>\n<li>Help ensure your doctors and prescriptions are covered\u200b<\/li>\n<li>Assist at <strong>no additional cost to you<\/strong><\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How do I know which Medicare plan is best for me?&#8221; style=&#8221;round&#8221;]The right plan depends on:<\/p>\n<ul class=\"list\">\n<li>Your healthcare needs\u200b<\/li>\n<li>Prescription medications\u200b<\/li>\n<li>Preferred doctors\u200b<\/li>\n<li>Budget and lifestyle\u200b<\/li>\n<\/ul>\n<p>A personalized review ensures you\u2019re not overpaying or under-covered.[\/vc_toggle][vc_toggle title=&#8221;Does Medicare cover emergencies while traveling?&#8221; style=&#8221;round&#8221;]Original Medicare offers limited coverage outside the U.S. Some <strong>Medigap and Medicare Advantage<\/strong> plans provide emergency coverage while traveling.[\/vc_toggle][vc_toggle title=&#8221;How often should I review my Medicare coverage?&#8221; style=&#8221;round&#8221;]You should review your coverage <strong>every year<\/strong>, especially during Annual Enrollment, because:<\/p>\n<ul class=\"list\">\n<li>Plans change\u200b<\/li>\n<li>Costs change\u200b<\/li>\n<li>Your healthcare needs may change<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Is there a penalty for not having prescription drug coverage?&#8221; style=&#8221;round&#8221;]Yes. If you go without creditable prescription drug coverage for an extended period, you may pay a <strong>lifetime late enrollment penalty<\/strong> when you enroll later.[\/vc_toggle][vc_toggle title=&#8221;How can I get help enrolling in Medicare?&#8221; style=&#8221;round&#8221;]You can enroll through Social Security, or work with a <strong>licensed Medicare agent<\/strong> who can guide you step by step and help you enroll with confidence.[\/vc_toggle][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>[vc_section full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;py-0&#8243;][vc_row gap=&#8221;35&#8243; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1769677482322{margin-bottom: 0px !important;}&#8221; el_class=&#8221;col-md-10 mx-auto&#8221;][vc_column][vc_custom_heading text=&#8221;Medicare Frequently Asked Questions (FAQ&#8217;s)&#8221; font_container=&#8221;tag:h2|text_align:center&#8221; use_theme_fonts=&#8221;yes&#8221; el_class=&#8221;pb-md-5 pb-4&#8243;][vc_toggle title=&#8221;What is Medicare?&#8221; style=&#8221;round&#8221;]Medicare is a federal health insurance program primarily for people age 65 and older, as well as &hellip; <a href=\"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/faq\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-1406","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/pages\/1406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/comments?post=1406"}],"version-history":[{"count":45,"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/pages\/1406\/revisions"}],"predecessor-version":[{"id":1453,"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/pages\/1406\/revisions\/1453"}],"wp:attachment":[{"href":"http:\/\/51.81.185.192\/~kpzgtwtv\/medplusnowdemo\/wp-json\/wp\/v2\/media?parent=1406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}