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Informative FAQ From Amelia, Virginia, and the Surrounding Areas

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You probably have plenty of questions about Medicare that you need answered. Fortunately, we have provided an FAQ page for you to look through. If you don’t find the answers you need or if you have follow-up questions, let us know. Just give us a call, send us an email or reach out through live chat. Easy Medicare 4 You is eager to serve you today.

What is Medicare?

Part A - Medicare is a federal Program that offers Health Insurance to US citizens and other individuals

Part B - The program is referred to as Original Medicare. With 2 parts- Part A and Part B.

Who is eligible for Medicare?

U.S Citizens and Legal residents

Legal residents must live in the U.S. for at least 5 years in a row, including the 5 years just before applying for Medicare.

You must also meet one of the following requirements

  • Age 65 or Older
  • Younger than 65 with a qualifying disability
  • Any age with a diagnosis of end-stage renal disease or ALS
What does Medicare cover?

Original Medicare (Parts A & B) provides many benefits

Part A - covers inpatient hospital and skilled nursing care

Part B - covers doctor visits and outpatient care

You can also choose private insurance plans and get more coverage

Part C - Medicare Advantage plans (Part C) combines Part A and Part B coverage and often include drug coverage and other additional benefits you don't get with Original Medicare

Part D - Medicare prescription drug plans (Part D) help pay for medications. You can get a standalone Part D plan or get a Medicare Advantage plan that includes drugs.

Med Supp - Medicare supplement insurance (Medigap) helps pay some or all costs not paid by Original Medicare (deductibles, copays and coinsurance).

What are my options?

You can add coverage to Original Medicare or choose a Medicare Advantage plan instead.

Original Medicare

You may add a standalone Part D plan, a Medicare supplement plan or both to Original Medicare (Parts A & B).

Part A & Part B

Part A & Part B + Part D

Part A & Part B + Part D + Med Supp

Medicare Advantage

You may choose to get your benefits through a Medicare Advantage plan

(Part C) with Part D included

(Part C) + Part D (add standalone drug plan)

(Part C) with no drug coverage

When can I enroll?

Enrolling in Medicare for the first time

  • Your initial Enrollment Period (IEP) is 7 months long. It includes your 65th birthday month plus 3 months before and 3 months after.
  • Your IEP begins and ends one month earlier if your Birthday is on the first of the month.
  • Your IEP is based on your 25th month of receiving benefits if you become eligible of Medicare due to disability
  • You should be enrolled in Part A and Part B automatically at age 65 if you are receiving social security or Railroad Retirement Board benefits. Medicare will mail your card to you.
Changing your coverage
  • After you’re enrolled, you have a chance to make changes to your coverage each year during Medicare Open Enrollment, October 15th to December 7th
  • Review your coverage choices yearly. Medicare and plan benefits or cost may change
  • Consider your health care needs and budget for the coming year.
  • Keep your current coverage or change it based on your needs.
  • You may make coverage changes at other times of the year in certain qualifying situations
How do I choose?

Think about your needs so you can see how different coverage options might work for you. Answering the following questions help you get started.

Your Health

  • How often do you go to the doctor?
  • What health problems do you have?
  • What medications do you take regularly?

Your budget

  • What are you able to pay each month in premiums?
  • How comfortable are you covering copays or coinsurance for services?
  • How willing are you to accept the risk of high out-of-pocket cost?

Your preferences

  • Which doctors, hospitals and pharmacies do you like to go to?
  • How important is it for you to have access to health care while traveling?
  • What other coverage do you have, such as an employer or retiree plan?

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