Question 1

What is Medicare and when can I enroll?

Accepted Answer

Medicare is a federal health insurance program for people 65 and older, and some younger people with disabilities. Your Initial Enrollment Period begins 3 months before your 65th birthday month and ends 3 months after. Contact us for a free consultation to understand your options.

Question 2

What is the difference between Medicare Advantage and Medicare Supplement (Medigap)?

Accepted Answer

Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan that often includes drug coverage and extras like dental and vision. Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs like copays, coinsurance, and deductibles. We can help you compare both options for free.

Question 3

Do I need Medicare Part D prescription drug coverage?

Accepted Answer

If you don't have creditable drug coverage from another source, you should enroll in Part D when first eligible to avoid late enrollment penalties. Even if you take few medications now, having coverage protects you from high costs if your needs change. We'll review your medications and help you compare available Part D options.

Question 4

How much does it cost to work with a Medicare insurance agent?

Accepted Answer

Our services are completely free to you. As licensed independent agents, we are compensated by the insurance carriers — not by you. There is no fee for consultations, plan comparisons, or enrollment assistance.

Question 5

What areas of Kansas do you serve?

Accepted Answer

We serve all of Kansas, including Salina, McPherson, Hutchinson, Wichita, and surrounding communities. We offer both in-person and phone consultations to help you understand and compare the options available through our agency.

Question 6

When is Medicare Open Enrollment?

Accepted Answer

The Annual Enrollment Period (AEP) runs from October 15 to December 7 each year, allowing you to change Medicare Advantage or Part D plans. The Medicare Advantage Open Enrollment Period runs January 1–March 31. Special Enrollment Periods may also apply if you have qualifying life events.

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