Medicare FAQs

Below are our frequently asked questions. For more information, please contact us for a consultation.

 

A: Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.
A: Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
A: Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.
A: Part “A” is typically in place, and a paid-up benefit when you turn 65. Part “B” is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them.
A: Yes. However, you will not have prescription coverage, and you will face unlimited exposure to those costs due to the gaps in Original Medicare.
A: You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.
A: Yes, for up to 100 days, after a required three-day hospital stay.
A: No, a retiree plan will typically wrap around Medicare primary benefits.
A: Part “D” is the Prescription Drug plan Medicare introduced in 2006.
A: In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”.
A: Part “C” is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescriptions are included).
A: Online at SSA.gov or in person at a local Social Security office.
A: This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part “D” to avoid penalty.
A: No. It is illegal to be sold a supplement plan when you have a Medicare Advantage plan and vice-versa

Office Locations

Find a Rochester NY Location Near You

 

East Side Location:

70 Linden Oaks Dr. Ste. 300
Rochester, NY 14625

 585-601-5000

 Mon-Thurs - 10:00am - 4:00pm

 

West Side Location:

2800 Dewey Avenue
Rochester, NY 14616

 585-601-5000

 Mon-Thurs - 10:00am - 4:00pm

 

During the Medicare Annual Enrollment Period
of October 15th – December 7th, we have two additional locations:
By Appointmen Only

 

Coming Soon

 

Churchville Location:

By Appointment Only

42 S. Main St. Suite F
Churchville, NY 14428

 585-685-2089

 Mon-Thurs - 10:00am - 4:00pm