Frequently Asked Questions

The Most Common Medicare Questions We Answer

Frequently Asked Questions: Florida Medicare Expert

The Initial Enrollment Period is the period when you are turning 65 or first becoming Medicare Eligible that starts 3 months before the first month of eligibility, encompasses the first month of eligibility, and ends 3 months after that month. It’s a 7-month period.

Yes, this is possible however, it will be subject to medical underwriting and approval.

Yes, during AEP individuals are allowed to change Part D plans. Part of what we do at Florida Healthcare Insurance is get back with you the client and review your medications and advise from there what plan will make the most sense.

Yes, if you are covered by an employer group health plan due to active employment (not a retiree plan), you may delay enrolling in Part B. When you do leave this plan, you will have a Special Election Period where you can get a guaranteed issue Medicare Supplement plan.

Unfortunately, this is not allowed. Once you are eligible for Medicare you must switch to that and unenroll yourself from Healthcare.Gov.

No part of Medicare is mandatory, but if you choose to enroll in any part of Medicare after your Initial Enrollment Period, you could face financial penalties unless you qualify for a Special Enrollment Period with creditable employer coverage.

A Medicare Advantage HMO Plan usually helps pay only for care you receive from providers in the plan network. A PPO plan will generally help pay for care received outside the plan network, but it may pay less than for the same care received within the network.

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