Here are some of the questions I’ve received from people who are becoming Medicare eligible:
*I have Medicare Part A; can you sign me up for Part B and the rest of my coverage? If you were on Part A and still working and the drug coverage with your company is not comparable to Medicare, I could enroll an individual onto a Part D drug plan. However, to enroll onto Part B, individuals need to contact Social Security via phone, in person, or via Social Security’s website. Once Part B has been added, individuals can then chose between a Medicare supplement and drug plan /or/ a Medicare Advantage plan with drug coverage.
*If I start with a Medicare supplement Plan G, can I switch later to a Plan F without any problem? Individuals starting with a Plan G who then want to switch to a Plan F will have to go through health history underwriting and could be declined. The California Birthday Rule for Medicare supplement beneficiaries only applies to changes made from a like plan to a like plan or to a lesser plan (i.e., Plan G to Plan G, Plan F to Plan F, or Plan F to Plan G).
*If I pay more for Plan F with a carrier, does that mean I am getting more? Medicare Supplements are defined by Medicare, offered by insurance carriers. Plan F is Plan F no matter who the carrier is; however, each carrier can have a different (higher/lower) premium for the same coverage.