Frequently Asked Questions.

What is Medicare, and who is eligible?

Medicare is the federal health insurance program for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. Eligibility primarily depends on your age, citizenship, and work history.
When can I enroll in Medicare?

There are specific enrollment periods, including your Initial Enrollment Period (IEP) around your 65th birthday, the Annual Enrollment Period (AEP) each fall, and Special Enrollment Periods (SEPs) for certain life events. Understanding these timelines is crucial to avoid penalties.

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

Medicare has several parts:

• Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

• Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services.

• Part C (Medicare Advantage): An all-in-one alternative to Original Medicare (Part A and Part B) offered by private companies approved by Medicare. These often include Part D and extra benefits.

• Part D (Pres Prescription Drug Coverage): Adds prescription drug coverage to Original Medicare, certain Medicare Advantage Plans, and other Medicare plans.

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

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

See More: Understanding Medicare Advantage vs Medigap

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

No, our services are absolutely free to you. We are compensated by the insurance companies when you enroll in a plan through us, so you get expert, personalized guidance without any direct cost.

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

While Medicare.gov is a valuable resource, The Geller Agency offers personalized, unbiased guidance through the complexities of plans available in your specific area. We compare options from multiple carriers, explain benefits in simple terms, and ensure you choose a plan that truly fits your unique health and financial needs—all at no cost to you.

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

Absolutely! We can help you review your current Medicare Advantage or Part D plan during the Annual Enrollment Period (AEP) to ensure it still meets your needs. We also assist with Special Enrollment Periods if your circumstances change.

How do I get started with The Geller Agency?

Getting started is simple! You can call us directly at [Phone Number], fill out our online contact form, or schedule a free, no-obligation consultation through our website. We're here to make your Medicare journey clear and stress-free.

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

No. We currently represent 6 different organizations, each offering multiple plans, but we do not offer every plan available. To ensure you're fully informed, we encourage you to also consult Medicare.gov or call 1-800-MEDICARE for a complete view of your options.

Or simply contact us today.

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

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

Will Medicare Advantage plans limit which doctors I can see?

Some plans, such as HMOs, have provider networks, which means you’ll need to use doctors in the plan’s network for your care to be covered (except in emergencies). PPOs offer more flexibility. We’ll walk you through which plans include your preferred providers.

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

Yes. You can review and change your plan each year during the Annual Enrollment Period (Oct. 15 – Dec. 7). Other life changes may also qualify you for a Special Enrollment Period. We’ll help you determine your eligibility and find a better-fit option if needed.