Frequently Asked Questions


    How do I enroll in Medicare?


    You will be automatically enrolled in Medicare Parts A and B if you are receiving Social Security Income. Should you work past your sixty-fifth birthday, you can enroll in Medicare Part B before you leave group coverage. Visit Medicare.gov or call Social Security at (800) 772-1213


    Am I penalized if I don't start at age 65?


    NO, you do not need to enroll in Part B if you are covered by an employer Group Plan. Contact Social Security to enroll in part B sixty days before you plan to retire or leave group coverage.


    What is the difference between Medicare Advantage and Medicare Supplemental Insurance?


    Medicare Supplemental works with original Medicare to pay deductibles and co-insurance. A separate Part D drug plan must also be purchased. You're paying a monthly premium for very few or no copayments for medical care.


    A Medicare Advantage plan includes prescriptions, has copayments for hospital visits, outpatient surgery procedures, doctors' visits and tests. Medicare Advantage plans are strictly regulated.


    What are the benefits of working with an independent Medicare insurance agent?


    An independent agent represents you, not the insurance company, so your advice will be unbiased.


    How much will Medicare cost?


    Your payroll taxes have paid for Part A. The monthly Part B premium for 2016 was 104.80 for most enrollees. For those who started Medicare January 1, 2016, the Part B premium is $121.80.


    What help is available for prescription costs?


    The Ohio Benefit Bank (OBB) is a public/private initiative that connects people with moderate and lower incomes to support, such as public benefits and tax credits. Visit OhioBenefits.org.


    For more information on help paying the costs of Medicare prescription drugs, visit Medicare.gov.


    Let Us Know Your Insurance Needs

    Keeping Medicare Simple


    13374 Ridge Road, North Royalton, OH 44133  |  Phone: 440-832-8936  |  Email: mark@keepingmedicaresimple.com