Megan Day, Medicare Insurance Agent

Answer: Are you going to be working until age 70? Delaying your benefits until age 70 should not affect your Medicare benefits as long as you show credible coverage through an employer or spouse employer. Part A is effective the month you turn 65 as long as you have worked 40 credits. You won’t have to pay for part A premiums. You can sign up for part B anytime after you lose credible coverage through an employer or spouse employer.

Answer: Plans vary by location. Not all plans are going to be the same for everyone. There are different types of plans available whether they have health issues like chronic illness or also have Medicaid. As long as the plan is available in certain areas they qualify for certain coverage.

Answer: Credible coverage can be health insurance or prescription drug coverage that provides benefits like Medicare. Some people who are still working can stay on their employer benefits and not have a penalty enrolling into Part B or D coverage because they had credible coverage through an employer plan or spouses employer plan.

Answer: With original Medicare you will pay 20 percent of the cost. This is after your medical deductible is reached for 2026. The medical deductible is 283$.

Answer: You typically have a 7 month window to enroll in Medigap. The first 3 months prior to your 65th birthday. The month of your 65th birthday, and 3 months after your birthday. I am not sure the state that you live in, but this is a very great question! If you have a licensed agent they should have communicated this with you. Typically you should have received a packet in the mail from Social Security. It would have come in the mail before your birthday.

Answer: I am not allowed to discuss the actual changes just yet. I will definitely be able to talk about the changes after Oct 1. So sorry, but there are CMS guidelines that as a licensed agent I have to follow.

Answer: You need to apply for SS benefits and if you are still employed you can keep Part A which is hospital only. If you are not employed then you should get part B as well.

Answer: I do a Medicare 101 with them. I explain all the different parts of Medicare and what all benefits are available.

Answer: First of all, I would see if your employer plan offers any type of pension or retirement benefits. If you are a state employee most likely they will offer a pension or retirement. You should get your Medicare part A and B then go from there with your plan choice.

Answer: An independent agent can determine what is the best plan for you. Everything depends on what your health goals are. An independent agent works with multiple carriers to ensure that you are on the best plan. They develop a 1:1 appointment with you, and they listen to your needs. They do not push you into a plan instead they discuss your needs and see what works best for you!

Answer: First of all I would definitely recommend that the agent is willing to get to know you on a personal level. They need to make sure that your top priorities are being aligned with your health care.

If the agent is not willing to explain your concerns then I would definitely look to another agent. Also do not give out your personal information over the phone.