Medicare FAQ's

Frequently Asked Questions (FAQs)

Get answers to frequently asked Medicare questions. If you don’t find your question answered here, please contact us for more specialized assistance.
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Medicare is a federal health insurance program primarily for people aged 65 and older, but it also covers certain younger people with disabilities and specific medical conditions.

Medicare is divided into four parts:

  • Part A: Hospital insurance covering inpatient hospital stays, care in nursing facilities, hospice care, and some home health care.
  • Part B: Medical insurance covering certain doctors' services, outpatient care, medical supplies, and preventive services.
  • Part C (Medicare Advantage): An alternative to Original Medicare that offers additional benefits through private insurance companies.
  • Part D: Prescription drug coverage.

You can enroll in Medicare during your Initial Enrollment Period, which begins three months before you turn 65 and ends three months after your birth month.

Original Medicare includes Part A and Part B. Medicare Advantage (Part C) plans are offered by private companies and include all benefits of Parts A and B, often with additional benefits like dental, vision, and prescription drug coverage.

It depends on your individual health needs and financial situation. Medicare Advantage, Medigap (supplemental insurance), and Part D plans can provide additional coverage.

Yes, you can switch during specific periods, such as the Annual Enrollment Period (October 15 to December 7 each year) or during the Medicare Advantage Open Enrollment Period (January 1 to March 31 annually).

HCAG provides personalized assistance in understanding your Medicare options. Our independent agents guide you through the process, comparing plans from top carriers to find the best fit for your needs and budget.

No, our services are provided free of charge. We aim to help you make informed decisions about your Medicare coverage without any extra cost.

Eligibility for additional benefits can vary based on individual circumstances. Contact our HCAG agents, and they will assist you in determining your eligibility and exploring suitable plan options.

Getting started is easy! You can contact us directly at
(888) 550-5556 or Our knowledgeable team is ready to help you with all your Medicare needs.

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