Question 1

What is the difference between Medicare Advantage and Medicare Supplement?

Accepted Answer

Medicare Advantage (Part C) replaces Original Medicare and is offered by private insurers with network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copays and deductibles, giving you more flexibility in choosing providers.

Question 2

When can I enroll in Medicare?

Accepted Answer

Your Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after. Missing this window may result in late enrollment penalties. A licensed agent can help you understand your specific enrollment timeline.

Question 3

Do I need a Medicare Part D prescription drug plan?

Accepted Answer

If you have Original Medicare and do not have other creditable drug coverage, enrolling in a Part D plan is strongly recommended to avoid a late enrollment penalty. We can help you compare Part D plans available in your area.

Question 4

How much does Medicare cost in California?

Accepted Answer

Most people pay no premium for Medicare Part A if they or their spouse paid Medicare taxes for at least 10 years. Medicare Part B has a standard monthly premium (set annually by the government). Medicare Advantage plans often have $0 premiums, while Medicare Supplement premiums vary by plan and carrier. A licensed agent can help you find the most affordable option for your situation.

Question 5

Can I keep my doctor with Medicare?

Accepted Answer

With Original Medicare and a Medicare Supplement plan, you can see any doctor or specialist in the U.S. who accepts Medicare — no referrals needed. Medicare Advantage plans use networks (HMO or PPO), so you may need to check if your doctor is in-network. We can help you find a plan that keeps your preferred providers.

Medicare Insurance Guidance

Medicare Advantage (Part C)

Medicare Supplement (Medigap)

Prescription Drug Plans (Part D)