Frequently Asked Questions (FAQs)​

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Can I change my Medicare plan later?

• Yes! You can make changes during the Annual Enrollment Period (Oct 15 – Dec 7) or Medicare Advantage Open Enrollment (Jan 1 – Mar 31).

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Does Medicare cover dental, vision, and hearing?

• Original Medicare (Parts A & B) does not cover these services, but many Medicare Advantage plans include dental, vision, and hearing benefits.

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What happens if I miss my Medicare enrollment period?

• You may face a late enrollment penalty, and your coverage could be delayed. If you missed enrollment, contact me to explore your options.

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What if I turn 65 and decide to keep working?

• If you have employer-sponsored health insurance, you may be able to delay Medicare Part B without penalty. It depends on your company size and coverage details.

 

Do I have to enroll in Medicare if I have employer health insurance?

• If your employer has 20+ employees, you can delay Part B. If your company has fewer than 20 employees, Medicare may become your primary coverage, so enrolling is important.

 

What happens if I retire and lose my employer health insurance?

• You qualify for a Special Enrollment Period (SEP) to sign up for Medicare without penalties once your employer coverage ends.

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Will I be penalized if I delay Medicare enrollment while working?

• No penalty if you have credible employer coverage. But if you delay without coverage, you may face late enrollment penalties.

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What costs does Medi-Cal cover if I have Medicare?

• Medi-Cal can help cover:

  • Medicare Part A & B premiums (so you don’t have to pay them)

  • Copayments & deductibles (reduces your out-of-pocket costs)

  • Long-term care services (such as nursing home care)

  • Additional benefits (dental, vision, and transportation in some cases)​

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