Frequently Asked Medicare Questions and Answers

Having the right health insurance plan shouldn’t be complicated. But even if you were to ask someone who has been on a Medicare Health Plan for years, they’d tell you Medicare can be confusing.

We’re here with answers to frequently asked questions.

Medicare FAQs

What is Medicare Advantage?

Medicare Advantage is an alternative to Original Medicare provided by private health insurance companies who are approved by CMS. Medicare Advantage is also known as Medicare Part C.

These plans give you the same coverage as Original Medicare, but may also include prescription drug coverage (Medicare Part D) and may even include additional extra benefits which are not covered by Original Medicare.

Am I eligible for Medicare?

Most people become eligible for Medicare when they turn 65. If you are 65 or older then you are eligible.

Additionally, some younger people are eligible, including those with disabilities, permanent kidney failure, or Lou Gehrig’s disease.

Do I have to enroll in Medicare when I turn 65?

While everyone’s circumstances are different, it is recommended that you enroll in a Medicare plan during your Initial Enrollment Period, which begins 3 months before your 65th birthday and ends 3 months after your birth month.

Even if you are still working and have employer coverage or you are a veteran with TriCare coverage, there can be benefits to enrolling in a Medicare plan when you become eligible.

Those who do not enroll when they turn 65 may experience a gap in coverage and incur costly penalties for the remainder of their coverage once they do enroll.

How can I learn more about Medicare?

We offer a variety of resources for learning more. Explore our Medicare resource articles.

Still have questions? Our knowledgeable agents are always available to answer your questions. Complete this Contact Form to request a call back from one of our local licensed insurance agents.


Does Original Medicare cover dental, vision, or hearing care?

Original Medicare (Parts A & B) does not cover dental, vision, or hearing care.

Medicare Savings FAQs

Am I paying too much for Medicare?

It is possible that you are overpaying for your health insurance coverage. Plans change as well as your personal coverage needs. It’s important to review your plan each year to make sure you’re paying for just the right amount of coverage for your needs.

Here are some questions to consider when reviewing your Medicare expenses:

  • Would you rather pay a higher premium or higher out of pocket costs for copays and deductibles?
  • Are you currently seeing a specialist or care provider who is out of network?
  • Would you save money bundling all of your healthcare coverage under one plan rather than having separate plans for health, prescription drug, and other healthcare needs?

A short meeting with a local licensed insurance agent could help you determine if there’s a more cost-effective Medicare plan out there for you.


Can I get help paying for my out of pocket health expenses?

If you don’t have a Medicare Advantage plan, a Medicare Supplement (Medigap) plan can help cover your out of pocket expenses, such as copayments, coinsurance, and deductibles.

Are there programs to help me pay for my Medicare costs?

Depending on your situation, you may be eligible for extra help programs. There are a variety of Medicare savings programs available, including programs to help cover your Medicare part B premium and prescription drug costs. To find out if you qualify for a money-saving program, we’d be happy to help. Please complete our Contact Form to request a call from one of our local licensed insurance agents.

Getting Started FAQs

What happens when I schedule an appointment with an agent?

When you meet with one of our licensed agents they will take time to get to know you and learn about your needs to determine how they can help you.


What types of questions will my agent ask in our initial meeting?

During your initial meeting, they will do their best to understand your needs. In order to do so, they will likely ask you a variety of questions regarding your healthcare needs.

  • Do you have any pre-existing conditions or are you receiving any ongoing care?
  • Outside of medical coverage, do you need vision, hearing, or dental coverage?
  • Do you have a set budget for your Medicare coverage?
  • Would you prefer to pay a high monthly premium or have a high deductible?
  • Would you prefer to continue seeing your same doctors or are you willing to see a different doctor?
  • What prescriptions are you taking?
  • Do you split your time between residences?
  • Are you still working?
  • Do you plan to travel?


How can I prepare for my appointment?

As you prepare for your appointment, it is helpful to gather informative documents to equip your agent with all the information they need in order to help you find the right plan.


Do I have to enroll in a plan if I meet with an agent?

No. There is no obligation to enroll in a plan when you meet with an agent.


Can you help me enroll in a plan?

Yes! We’ll not only help you find the right plan for your needs, we’ll also help you enroll in whichever plan you choose.

Plus, after enrollment, we go the extra mile to make sure you’re getting the most out of your coverage.


Plan Advisors Montana FAQs

How much do you charge?

Our services are always 100% free. You’ll never receive a bill for our support or pay to talk to one of our licensed insurance agents.


Can any insurance agent help me enroll in a Medicare plan?

The Medicare world is confusing. All insurance agents must be licensed. But agents who can help you enroll in a Medicare plan must also complete federally-mandated, Medicare-specific training every year. We must also complete annual certification with each of the carriers whose plans we represent.


What parts of Montana do you serve?

We serve all of Montana's major regions and everywhere in between.


How do you serve so much of Montana?

We’ve likely got an agent who lives in your own backyard! 

Our agents benefit from our state-wide coverage and resources while having specialized knowledge of local Medicare plans, healthcare systems, and community resources.

Find the Medicare agent who is closest to you.


Why Choose Plan Advisors Montana?

We believe you should have access to experienced Medicare specialists who can provide you with resources to compare, buy, and enroll in the right health insurance plan at the right price. 

We are not a faceless call center or a transactional agent who will sign you up and never return your calls. Our sole purpose is to provide you with a licensed insurance agent who will be with you through your journey.

  • This field is for validation purposes and should be left unchanged.

Receive helpful reminders, updates, and information about Medicare Health Plans conveniently in your inbox

We are

Insurance Agents

Speak to your Licensed insurance agent
Copyright © 2023 Plan Advisors, LLC · Privacy Policy · Website Design by The Marketing Squad
Plan Advisors Montana