25 Medicare Questions We Hear Every Week

Confused about Medicare? You're not alone.

At Pre Futuro Insurance Agency, we help Medicare beneficiaries every day, and many of the same questions come up again and again. Whether you're turning 65, retiring soon, or helping a loved one navigate Medicare, understanding your options can help you avoid costly mistakes.

Here are 25 Medicare questions we hear every week—and the answers you need to know.

1. When should I sign up for Medicare?

Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period starts three months before your 65th birthday month, includes your birthday month, and continues for three months afterward.

2. Do I have to enroll in Medicare at age 65?

Not always. If you're still working and have credible employer coverage, you may be able to delay Medicare without penalties.

3. What happens if I don't enroll on time?

You may face late enrollment penalties and gaps in coverage. Some penalties can last for the rest of your life.

4. What is Medicare Part A?

Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.

5. What is Medicare Part B?

Part B covers doctor visits, outpatient services, preventive care, lab work, and durable medical equipment.

6. Is Medicare free?

Many people receive Part A premium-free if they've worked and paid Medicare taxes long enough. Part B has a monthly premium.

7. What is Medicare Part C?

Part C is eyes, ears, and dental.

8. What is Medicare Part D?

Part D provides prescription drug coverage to help pay for medications.

9. What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage replaces Original Medicare with a private plan, while Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs.

10. Which is better: Medicare Advantage or Medicare Supplement?

There isn't a one-size-fits-all answer. The best option depends on your health needs, budget, travel habits, and doctor preferences.

11. Can I keep my doctor?

Possibly. Every plan has its own network, so it's important to check whether your doctors participate before enrolling.

12. Does Medicare cover prescriptions?

Original Medicare generally does not provide comprehensive prescription coverage. Most beneficiaries enroll in a Part D plan or a Medicare Advantage plan that includes drug coverage.

13. Does Medicare cover dental services?

Original Medicare usually does not cover routine dental care. Many Medicare Advantage plans offer dental benefits.

14. Does Medicare cover vision exams and glasses?

Routine vision care is generally not covered by Original Medicare, although many Medicare Advantage plans include vision benefits.

15. Does Medicare cover hearing aids?

Original Medicare generally doesn't cover hearing aids. Many Medicare Advantage plans offer hearing benefits.

16. Can I change my Medicare plan later?

Yes. Medicare beneficiaries may have opportunities to change plans during certain enrollment periods throughout the year.

17. What is the Medicare Annual Enrollment Period?

The Annual Enrollment Period runs from October 15 through December 7 each year and allows beneficiaries to review and make changes to their coverage.

18. What is a Medicare Special Enrollment Period?

Certain life events, such as moving or losing coverage, may qualify you for a Special Enrollment Period.

19. How much does Medicare cost?

Costs vary depending on your income, plan choice, medications, and healthcare usage.

20. Does Medicare cover care outside Texas?

Yes, but coverage can vary depending on whether you have Original Medicare, a Medicare Supplement plan, or a Medicare Advantage plan.

21. Can I have Medicare and Medicaid?

Yes. Individuals who qualify for both programs may receive additional benefits and assistance with healthcare costs.

22. What happens to my Medicare if I move?

You may need to change plans if your current plan isn't available in your new area.

23. Does Medicare cover emergency care while traveling?

Emergency and urgent care are generally covered, but details depend on your specific plan.

24. Can my spouse use my Medicare plan?

No. Medicare is individual coverage. Each spouse must qualify and enroll separately.

25. Should I talk to a Medicare agent before enrolling?

Absolutely. Medicare can be confusing, and choosing the wrong plan could cost you thousands of dollars over time. A licensed Medicare agent can help compare plans, doctors, prescription coverage, and costs to help you find an option that fits your needs.

Need Help Understanding Medicare?

Choosing Medicare doesn't have to be overwhelming. Whether you're turning 65, retiring, moving, or reviewing your current coverage, working with an experienced Medicare professional can help simplify the process.

At Pre Futuro Insurance Agency, we help Medicare beneficiaries throughout San Antonio and surrounding communities compare plans and understand their options.

Have a Medicare question that's not on this list?

Contact us today and we'll be happy to help.