HLC Insurance

❓Medicare FAQ - Let's Clear Thing's Up! ❓

I get asked these questions all the time, so here are a few quick answers that may help

Do I need to sign up for Medicare if I'm still working?
Maybe! It depends on you employer's size and your current coverage. This is one of the most important questions to get right.

Is Medicare free at age 65?
Medicare Part A is usually premium-free, but other parts may have monthly costs.

What's the difference between Original Medicare and Medicare Advantage?
They offer coverage in different ways, with different costs, networks and benefits.

Will Medicare cover my prescriptions?
Original Medicare does not, but Part D or Medicare Advantage plans can help.

Every situation is different. The right answers depend on your health, doctors, medications, and finances.

Have a Medicare question? Drop it in the comments or send me a message, I'm happy to help!

Most people don't review their Medicare coverage... until it costs them.

Higher copays. Prescriptions not covered. Doctors suddenly out of network.
And by then? It's too late to fix it without stress.

Medicare is not "set it and forget it". Plans change every year. Your health changes, your needs change.

If you or someone you love is turning 65, already on Medicare, or just confused about the options, I offer free, no-pressure reviews to make sure you're not overpaying or under covered.