


Generally, yes if you or your spouse worked at least 10 years in Medicare-covered employment, you're 65, and you're a citizen or permanent resident of the United States. Under 65, you may still qualify through a disability or with End-Stage Renal Disease
For most people it's deducted automatically from a Social Security, Railroad Retirement, or Civil Service Retirement payment. If you don't receive any of those, Medicare bills you every three months.
Medigap is private insurance that helps pay costs Original Medicare leaves behind — copayments, coinsurance, and deductibles. Medicare pays its share of an approved amount, then your Medigap policy pays its share.
It's different from a Medicare Advantage plan. Advantage is a way to receive your Medicare benefits; Medigap supplements them. You need both Part A and Part B to buy one, and you can't hold Medigap and Advantage at the same time.
Part D is sold by private carriers, and you pay a monthly premium. If you don't enroll when you're first eligible and go without creditable coverage, you may owe a late penalty — and in most cases you'll keep paying it for as long as you have Part D, even after switching plans.
No. Consultations, enrollment help, and annual reviews are free, and your premium is identical whether you work with us or enroll on your own.
