Medicare Basics
Medicare Questions, Answered
Straightforward answers to the questions Phoenix-area residents ask most. Don't see yours? Just call — I'm happy to help.
Does it cost anything to work with you?
No. There's no fee for my help. I'm paid by the insurance company if you enroll in a plan, and a plan's premium is the same whether you use an agent or enroll on your own.
Are you part of Medicare or the government?
No. I'm a licensed, independent insurance agent. I'm not connected with or endorsed by Medicare, CMS, Social Security, or any government agency. For official information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).
When should I sign up for Medicare?
Most people sign up during their 7-month Initial Enrollment Period, which starts 3 months before the month they turn 65. If you're still working with employer coverage, you may be able to wait. Learn more about timing.
Do I need Part B if I'm still working?
It depends on your employer's size and your coverage. With coverage from current employment at an employer with 20 or more employees, many people can delay Part B without penalty. Read the details.
What's the difference between Medicare Advantage and a Medicare Supplement?
Medicare Advantage is an all-in-one private plan that replaces how you get Original Medicare, usually with a network. A Medicare Supplement works alongside Original Medicare to help pay out-of-pocket costs, and you can see any provider that accepts Medicare. Compare them.
Can I keep my doctors?
With Original Medicare (with or without a Medigap policy), you can see any provider nationwide who accepts Medicare. Medicare Advantage plans usually have networks, so it's important to check your doctors before you enroll. I can help you check.
What happens if I miss my enrollment window?
You may have to wait for the General Enrollment Period (January 1 – March 31) and could owe late enrollment penalties for Part B and Part D. If you've had qualifying coverage, you may have a Special Enrollment Period instead.
Can I change my plan later?
Yes, during certain times. The Annual Enrollment Period (October 15 – December 7) is the main opportunity. There's also a Medicare Advantage Open Enrollment Period (January 1 – March 31) and Special Enrollment Periods for certain life events. Switching Medigap policies may require answering health questions.
Do you represent every Medicare plan?
No. I represent several insurance companies, including Aetna, Devoted Health, HealthSpring, Humana, and UnitedHealthcare, but I don't offer every plan available in your area. For information on all your options, contact Medicare.gov, 1-800-MEDICARE, or Arizona's State Health Insurance Assistance Program (SHIP).
What should I bring to our appointment?
Your Medicare card (if you have it), a list of your doctors, your prescriptions with doses, your preferred pharmacy, and information about any current coverage.
Can you help me after I enroll?
Yes. I'm available for questions about claims, billing, or benefits, and I offer a yearly review before the Annual Enrollment Period to make sure your plan still fits.
Will I get a lot of calls after I contact you?
No. We'll contact you only in the way you choose, about the topic you asked about. We don't sell your information.
This page is general educational information, not personal advice. Medicare rules, costs, and plan options change and depend on your situation. For official information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).
Have questions? Let's talk them through.
A no-cost, no-obligation conversation with a licensed local agent. Bring your questions — we'll go at your pace.