Frequently Asked Questions.

What is Medicare, and who is eligible?

Medicare is the federal health insurance program for people age 65 or older, certain younger individuals with qualifying disabilities, and people with End-Stage Renal Disease (ESRD). Eligibility generally depends on your age, citizenship or residency status, and work history.

When can I enroll in Medicare?

There are specific Medicare enrollment periods, including your Initial Enrollment Period (IEP) around your 65th birthday, the Annual Enrollment Period (AEP) each fall, and Special Enrollment Periods (SEPs) triggered by certain life events such as retirement or loss of employer coverage. Understanding these timelines is important to avoid coverage gaps or penalties.

What are the different parts of Medicare (Part A, B, C, and D)?

Medicare is divided into four main parts, each covering different healthcare needs:
Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Part B (Medical Insurance) covers doctor visits, outpatient services, preventive care, and durable medical equipment.
Part C (Medicare Advantage) is an alternative to Original Medicare offered by private insurance companies approved by Medicare. These plans combine Part A and Part B and often include prescription drug coverage and additional benefits.
Part D (Prescription Drug Coverage) helps cover the cost of prescription medications and can be included in Medicare Advantage plans or purchased as a standalone plan.

How do Medicare Advantage Plans (Part C) differ from Medicare Supplement Plans (Medigap)?

Medicare Advantage Plans are offered by private insurance companies as an all-in-one alternative to Original Medicare and often include prescription drug coverage and extra benefits such as dental or vision care. Medicare Supplement Plans (Medigap) work alongside Original Medicare (Parts A and B) to help cover out-of-pocket costs like deductibles, copayments, and coinsurance. Medigap plans do not typically include prescription drug coverage.

What should I do if I’m turning 65 soon?

If you’re turning 65, it’s a good idea to start reviewing your Medicare options about three months before your birthday. This allows time to understand your choices, compare plans, and enroll on time to avoid late enrollment penalties or coverage gaps.

Do I need Medicare if I’m still working?

It depends on your employer’s health coverage and company size. Some people can delay Medicare enrollment without penalties, while others should enroll when first eligible. Reviewing your situation ahead of time helps ensure you make the right decision.

Is there a cost to use The Geller Agency for Medicare guidance?

No. Our services are completely free to you. We are compensated by insurance companies when you enroll in a plan through us, allowing you to receive personalized, expert Medicare guidance at no direct cost.

Why should I use The Geller Agency instead of enrolling directly through Medicare.gov?

Medicare.gov is a helpful resource, but The Geller Agency provides personalized, one-on-one guidance based on your specific healthcare needs and location. We compare plans from multiple insurance carriers, explain benefits in clear terms, and help you choose coverage that fits your situation—at no cost to you.

Can The Geller Agency help me if I already have Medicare?

Yes. We can review your current Medicare Advantage or Part D plan during the Annual Enrollment Period to ensure it still meets your needs. We also assist with Special Enrollment Periods if your circumstances change.

Can I switch Medicare plans if I’m not happy with mine?

Yes. You can review and change your Medicare plan each year during the Annual Enrollment Period (October 15 through December 7). Certain life events may also qualify you for a Special Enrollment Period. We’ll help determine your eligibility and explore better options if needed.

Will Medicare Advantage plans limit which doctors I can see?

Some Medicare Advantage plans, such as HMOs, require you to use doctors within a specific provider network, except in emergencies. PPO plans typically offer more flexibility. We help review which plans include your preferred doctors and hospitals.

Does The Geller Agency offer every Medicare plan available in my area?

No. We currently represent multiple insurance organizations, each offering a variety of plans, but we do not offer every plan available. We encourage you to also review Medicare.gov or contact 1-800-MEDICARE for a complete list of options.

What if I move to a different state or zip code—will I need to change my Medicare plan?

Possibly. A move can trigger a Special Enrollment Period, allowing you to change plans. Medicare Advantage and Part D plans are often regional, so it’s important to review your coverage when relocating. We can help guide you through that process.

How do I get started with The Geller Agency?

Getting started is easy. You can call us directly at [Phone Number], complete our online contact form, or schedule a free, no-obligation consultation. We’re here to make Medicare clear and stress-free.