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What are Medicare "star ratings" and how are they measured?

Medicare rates Medicare Advantage and Part D (prescription drug plans) using something called Medicare stars. A 5-star rating is the best, while a 1-star rating is the worst. When you’re trying to choose a Medicare Advantage or Part D (prescription…

How do I know which doctors accept Medicare assignment?

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First off, let's define what Medicare assignment is and the impact it can have on your out-of-pocket costs. One of the most significant potential gaps in Original Medicare is healthcare providers' ability to bill you for something called excess…

What happens if my Medicare doctor is not in the network?

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The answer to this question depends on the type of Medicare plan you have. When we talk about Medicare plans with networks, we are generally talking about Medicare Advantage HMO, HMO-POS, or PPO plans. HMO stands for Health Maintenance Organization…

What is "Medigap"?

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Medigap plans, also called Medicare Supplement plans, are designed to work alongside Original Medicare and reduce your out-of-pocket costs. Original Medicare only covers about 80% of your Medicare Part B health care expenses. That leaves you…

Is it possible to switch between Medicare Advantage and original Medicare?

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If you are enrolled in Original Medicare and wish to enroll in a Medicare Advantage plan, you can do so during the Medicare Advantage Annual Enrollment Period (AEP). AEP takes place every year from October 15th through December 7th. If you enroll…

How do I change my Medicare coverage?

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The process for changing your Medicare coverage depends on the type of plan you have. For Medicare Advantage and Part-D, unless you qualify for a Special Enrollment Period (SEP), you can switch to any other Medicare Advantage plan available…

Do I need a Part A or a Part B if I'm still working?

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If you are still working at 65 and have health insurance through your employer or a union, the answer depends on the size of the company you work for. If your employer has fewer than 20 employees, Medicare is your primary insurance. In this…

You may incur a Part D late enrollment penalty

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You may incur a Part D late enrollment penalty if, for any continuous period of 63 days or more after your Initial Enrollment Period is over, you go without one of the following: A Medicare Prescription Drug Plan (Part D) A Medicare Advantage…

Is it necessary to sign up for Medicare at 65 if I'm still working?

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This is a common situation, but if you have any special circumstances, you will want to talk to a Medicare expert to avoid any problems. If you continue to work past your 65th birthday and are covered under a group health plan based on current…

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We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program, please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov.