Medicare FAQ

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Get the answers to your most pressing Medicare questions.

Getting Started

What Is Medicare and Who Is Eligible?

Medicare is the federal health insurance program that serves tens of millions of Americans. Here's who qualifies, what it covers at a high level, and when your coverage can begin.

What Are the Different Parts of Medicare?

Medicare isn't a single plan — it's made up of four distinct parts, each covering different types of care. Understanding what each part does is the foundation of making smart coverage decisions.

What Is Medicare Advantage?

Medicare Advantage is an alternative to Original Medicare offered by private insurers. It can look attractive on paper — but the trade-offs matter. Here's what you need to know before enrolling.

What's the Difference Between Original Medicare, Medicare Advantage, and Medigap?

These three terms describe very different types of Medicare coverage — and confusing them is one of the most common mistakes people make when enrolling. Here's a clear breakdown.

How Much Does Medicare Cost? Is It Free?

Medicare is not free — but for many people, parts of it cost nothing. Understanding what you'll pay in premiums, deductibles, and cost-sharing is essential to budgeting for retirement healthcare.

When Should I Sign Up for Medicare?

Timing your Medicare enrollment correctly is one of the most important decisions you'll make as you approach 65. Sign up too late and you could face permanent penalties or gaps in coverage.

What Happens If I Miss My Medicare Enrollment Window?

Missing your Medicare enrollment window isn't just an inconvenience — it can trigger penalties that follow you for the rest of your life. Here's what you need to know before you let a deadline pass.

Can I Delay Enrolling in Medicare Part B?

Some people can safely delay Part B — but getting this wrong can trigger lifelong premium penalties and coverage gaps. Whether delaying is smart depends entirely on your specific coverage situation.

How Does Medicare Work With My Employer Coverage or Other Insurance?

If you're still working at 65 or have coverage through a spouse's employer, you need to understand how Medicare coordinates with that coverage — and whether delaying enrollment makes sense for you.

Can I Change My Medicare Plan Later?

Medicare is not a set-it-and-forget-it decision. There are defined windows each year when you can switch plans — and certain life events that open additional opportunities to make changes.

What to Expect from Your Welcome to Medicare Visit

When you're new to Medicare, you're entitled to a one-time preventive visit with your doctor. Here's what it covers — and why you shouldn't skip it.

Does Medicare Cover All My Medical Bills?

Medicare provides solid health coverage — but it was never designed to pay for everything. Understanding what it leaves uncovered is just as important as knowing what it does pay for.

Will Medicare Cover My Procedure?

One of the most common questions we hear is whether Medicare will pay for a specific surgery, test, or treatment. Here's how to find out before your appointment.

Does Medicare Cover Dental?

Dental costs are one of the biggest surprises for new Medicare enrollees. Here's the truth about what's covered — and what's not.

Does Medicare Cover Cataract Surgery?

Cataracts are one of the most common conditions affecting Medicare beneficiaries. The good news is that Medicare does cover cataract surgery — here's what you need to know.

How Does Medicare Cover Colonoscopies?

Colorectal cancer is one of the most preventable cancers when caught early. Medicare covers colonoscopies — but the rules around cost-sharing can be confusing. Here's what to know.

Does Medicare Cover Medical Care While Traveling?

Planning a trip? Understanding how Medicare works — and doesn't work — outside your home area can help you avoid a very expensive surprise.

What Is IRMAA?

Higher-income Medicare beneficiaries pay more for Part B and Part D. This surcharge is called IRMAA — and many people are surprised to learn they owe it. Here's how it works and what you can do if your income has changed.

What Is Medigap?

Original Medicare covers a lot — but it doesn't cover everything. Medigap plans are designed to fill those gaps. Here's how they work.

What Is Medicare Plan G?

Medicare Plan G has become the most popular Medigap plan in the country. Here's what it covers, what it costs, and why so many people choose it.

Can I Change My Medicare Supplement Plan During Annual Enrollment?

Every fall, Medicare holds its Annual Enrollment Period. But does that apply to Medigap plans? The answer surprises most people.

Does Medicare Plan G Cover My Gym Membership?

If staying active matters to you, you might be wondering whether your Medicare plan covers a gym membership. The answer depends on which type of Medicare coverage you have.

How Does Medicare Cover Insulin and What Is the $35 Cap?

Medicare covers insulin under both Part B and Part D — and recent law changes cap your monthly out-of-pocket cost at $35 per insulin product. Here's how it works and what it means for you.

What Is the Medicare GLP-1 Bridge Program?

Starting July 2026, some Medicare Part D beneficiaries may qualify for lower-cost GLP-1 medications through a special CMS demonstration. Here's what it is, who may qualify, and what it means for your drug coverage.

What Is a Medicare Savings Program (MSP)?

If your income is limited, a Medicare Savings Program may help pay your Part B premium and other Medicare costs. Many people who qualify haven't applied yet — and the savings can be significant.

What Is Extra Help for Medicare Prescription Drugs?

Extra Help — also called the Low-Income Subsidy — is a federal program that can dramatically reduce what you pay for Medicare Part D prescription drug coverage. Many people who qualify don't know they're eligible.

How Does a Medicare Broker Get Paid?

If a Medicare broker's services are free to you, you might wonder how they make money. Here's a transparent look at how broker compensation works — and why it doesn't cost you a dime.

How Do I Get Help Choosing the Right Medicare Plan?

Medicare decisions are complex, and the options can feel overwhelming. Here's where to find reliable guidance — including what to expect when you work with a local licensed Medicare broker.

Veterans and Medicare: What You Need to Know

If you're a veteran with VA benefits, you might assume Medicare is redundant. That assumption can be costly. Here's how VA coverage and Medicare interact — and why having both often makes sense.