FAQs

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Frequently Asked Questions(FAQ)

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There are also Special Enrollment Periods for specific situations and a General Enrollment Period from January 1 to March 31 each year.</span></p>","title":"How and when can I enroll in Medicare?"},{"description":"<p><span>Yes, you can switch plans during the Annual Enrollment Period (October 15 to December 7) or during other special enrollment periods if you meet certain criteria.</span></p>","title":"Can I switch between Medicare plans?"}],"nav_icon":{"icon_field":{"icon_set":"fontawesome-5.14.0","name":"Alternate Grinning Face","type":"REGULAR","unicode":"f581"},"image":{"alt":"shipping-icon","height":40,"loading":"lazy","max_height":512,"max_width":512,"size_type":"exact","src":"https://24189298.fs1.hubspotusercontent-na1.net/hubfs/24189298/shipping-icon.webp","width":40}},"tab_title":"Medicare"},{"content":[{"description":"<p><span>Medicare Advantage Plans (Part C) are offered by private companies and provide all Part A and Part B benefits, often with additional coverage like dental and vision. Unlike Original Medicare, these plans have set networks of providers.</span></p>","title":"What is a Medicare Advantage Plan, and how does it differ from Original Medicare?"},{"description":"<p><span>Medigap plans are supplemental insurance policies sold by private companies to cover gaps in Original Medicare coverage, such as deductibles, copayments, and coinsurance.</span></p>","title":"What are Medicare Supplement (Medigap) plans, and what do they cover?"},{"description":"<p><span>Choosing depends on your healthcare needs, preferences for provider flexibility, and budget. Medigap offers broader provider options but typically higher premiums, while Medicare Advantage plans may offer additional benefits but with provider network restrictions.</span></p>","title":"How do I choose between a Medicare Advantage and a Medigap plan?"},{"description":"<p><span>No, it's not possible to have both a Medicare Advantage Plan and a Medigap policy simultaneously.</span></p>","title":"Can I have both Medicare Advantage and Medigap plans?"}],"nav_icon":{"icon_field":{"icon_set":"fontawesome-5.14.0","name":"Alternate Grinning Face","type":"REGULAR","unicode":"f581"},"image":{"alt":"shipping-icon","height":40,"loading":"lazy","max_height":512,"max_width":512,"size_type":"exact","src":"https://24189298.fs1.hubspotusercontent-na1.net/hubfs/24189298/shipping-icon.webp","width":40}},"tab_title":"Options"},{"content":[{"description":"<p><span>Medicaid is a state and federally funded program providing health coverage to eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities. For those eligible for both Medicare and Medicaid (dual eligible), Medicaid can help cover Medicare's premiums and out-of-pocket costs.</span></p>","title":"What is Medicaid, and how does it work with Medicare?"},{"description":"<p><span>Individuals who are enrolled in Medicare and meet their state's Medicaid income and asset requirements may be dual eligible.</span></p>","title":"Who qualifies for dual eligibility for both Medicare and Medicaid?"},{"description":"<p><span>You can apply for Medicaid through your state's Medicaid agency or the Health Insurance Marketplace. Benefits include coverage for many services that Medicare doesn't fully cover, such as nursing home care and personal care services.</span></p>","title":"How can I apply for Medicaid, and what benefits does it provide?"}],"nav_icon":{"icon_field":{"icon_set":"fontawesome-5.14.0","name":"Alternate Grinning Face","type":"REGULAR","unicode":"f581"},"image":{"alt":"shipping-icon","height":40,"loading":"lazy","max_height":512,"max_width":512,"size_type":"exact","src":"https://24189298.fs1.hubspotusercontent-na1.net/hubfs/24189298/shipping-icon.webp","width":40}},"tab_title":"Dual Eligibility"},{"content":[{"description":"<p><span>The Medicare Open Enrollment Period runs from October 15 to December 7 each year. During this time, you can switch Medicare Advantage plans, move from Original Medicare to Medicare Advantage, join, drop, or switch a Part D prescription drug plan.</span></p>","title":"When is the Medicare Open Enrollment Period, and what changes can I make?"},{"description":"<p><span>Check your Medicare Part D or Medicare Advantage plan's formulary (list of covered drugs) to see if your medications are covered. Formularies can change annually, so it's important to review your coverage during Open Enrollment.</span></p>","title":"How do I know if my medications are covered?"},{"description":"<p><span>If you move out of your plan's service area, you'll need to enroll in a new Medicare Advantage or Part D plan available in your new location. You may qualify for a Special Enrollment Period to make these changes.</span></p>","title":"What should I do if I move to a different state?"},{"description":"<p><span>Original Medicare generally doesn't cover care outside the U.S., but many Medicare Advantage and Medigap plans offer some travel coverage. Check your plan details for specific travel benefits.</span></p>","title":"How does Medicare coverage work while traveling?"}],"nav_icon":{"icon_field":{"icon_set":"fontawesome-5.14.0","name":"Alternate Grinning Face","type":"REGULAR","unicode":"f581"},"image":{"alt":"shipping-icon","height":40,"loading":"lazy","max_height":512,"max_width":512,"size_type":"exact","src":"https://24189298.fs1.hubspotusercontent-na1.net/hubfs/24189298/shipping-icon.webp","width":40}},"tab_title":"Coverage"},{"content":[{"description":"<p><span>At My360, we offer personalized, expert guidance to navigate Medicare options, ensuring you find a plan that fits your unique healthcare needs and budget. Our commitment to client education and ongoing support sets us apart.</span></p>","title":"Why should I choose My360 Health Insurance Agency for my Medicare needs?"},{"description":"<p><span>We specialize in finding cost-effective Medicare solutions that cover your healthcare needs without unnecessary expenses. By reviewing your options and leveraging available programs, we help minimize your out-of-pocket costs.</span></p>","title":"How can My360 Health Insurance Agency help me save money on my healthcare costs?"},{"description":"<p><span>My360 provides comprehensive Medicare plan comparisons, enrollment assistance, annual plan reviews, and educational resources to keep you informed about your Medicare options.</span></p>","title":"What services does My360 offer to its clients?"},{"description":"<p><span>Reach out to us via phone, email, or our website contact form for a free consultation. Our team is ready to assist you with all your Medicare questions and needs.</span></p>","title":"How do I get started with My360 Health Insurance Agency?"}],"nav_icon":{"icon_field":{"icon_set":"fontawesome-5.14.0","name":"Alternate Grinning Face","type":"REGULAR","unicode":"f581"},"image":{"alt":"shipping-icon","height":40,"loading":"lazy","max_height":512,"max_width":512,"size_type":"exact","src":"https://24189298.fs1.hubspotusercontent-na1.net/hubfs/24189298/shipping-icon.webp","width":40}},"tab_title":"My360"}]

Have question? We are here to help

26764313_2112.i301.020.S.m004.c13.Support faq concepts isometric composition
What is Medicare, and who is eligible?

Medicare is a federal health insurance program for people aged 65 and older, certain younger people with disabilities, and individuals with End-Stage Renal Disease (ESRD). Eligibility primarily depends on age, disability status, and specific health conditions.

What are the differences between Medicare Part A, B, C, and D?

Part A covers hospital insurance, Part B covers medical insurance, Part C (Medicare Advantage) offers an alternative way to receive your Medicare benefits, and Part D covers prescription drugs.

How and when can I enroll in Medicare?

You can enroll in Medicare during the 7-month Initial Enrollment Period around your 65th birthday, which includes the 3 months before turning 65, the month of your birthday, and the 3 months after. There are also Special Enrollment Periods for specific situations and a General Enrollment Period from January 1 to March 31 each year.

Can I switch between Medicare plans?

Yes, you can switch plans during the Annual Enrollment Period (October 15 to December 7) or during other special enrollment periods if you meet certain criteria.

What is a Medicare Advantage Plan, and how does it differ from Original Medicare?

Medicare Advantage Plans (Part C) are offered by private companies and provide all Part A and Part B benefits, often with additional coverage like dental and vision. Unlike Original Medicare, these plans have set networks of providers.

What are Medicare Supplement (Medigap) plans, and what do they cover?

Medigap plans are supplemental insurance policies sold by private companies to cover gaps in Original Medicare coverage, such as deductibles, copayments, and coinsurance.

How do I choose between a Medicare Advantage and a Medigap plan?

Choosing depends on your healthcare needs, preferences for provider flexibility, and budget. Medigap offers broader provider options but typically higher premiums, while Medicare Advantage plans may offer additional benefits but with provider network restrictions.

Can I have both Medicare Advantage and Medigap plans?

No, it's not possible to have both a Medicare Advantage Plan and a Medigap policy simultaneously.

What is Medicaid, and how does it work with Medicare?

Medicaid is a state and federally funded program providing health coverage to eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities. For those eligible for both Medicare and Medicaid (dual eligible), Medicaid can help cover Medicare's premiums and out-of-pocket costs.

Who qualifies for dual eligibility for both Medicare and Medicaid?

Individuals who are enrolled in Medicare and meet their state's Medicaid income and asset requirements may be dual eligible.

How can I apply for Medicaid, and what benefits does it provide?

You can apply for Medicaid through your state's Medicaid agency or the Health Insurance Marketplace. Benefits include coverage for many services that Medicare doesn't fully cover, such as nursing home care and personal care services.

When is the Medicare Open Enrollment Period, and what changes can I make?

The Medicare Open Enrollment Period runs from October 15 to December 7 each year. During this time, you can switch Medicare Advantage plans, move from Original Medicare to Medicare Advantage, join, drop, or switch a Part D prescription drug plan.

How do I know if my medications are covered?

Check your Medicare Part D or Medicare Advantage plan's formulary (list of covered drugs) to see if your medications are covered. Formularies can change annually, so it's important to review your coverage during Open Enrollment.

What should I do if I move to a different state?

If you move out of your plan's service area, you'll need to enroll in a new Medicare Advantage or Part D plan available in your new location. You may qualify for a Special Enrollment Period to make these changes.

How does Medicare coverage work while traveling?

Original Medicare generally doesn't cover care outside the U.S., but many Medicare Advantage and Medigap plans offer some travel coverage. Check your plan details for specific travel benefits.

Why should I choose My360 Health Insurance Agency for my Medicare needs?

At My360, we offer personalized, expert guidance to navigate Medicare options, ensuring you find a plan that fits your unique healthcare needs and budget. Our commitment to client education and ongoing support sets us apart.

How can My360 Health Insurance Agency help me save money on my healthcare costs?

We specialize in finding cost-effective Medicare solutions that cover your healthcare needs without unnecessary expenses. By reviewing your options and leveraging available programs, we help minimize your out-of-pocket costs.

What services does My360 offer to its clients?

My360 provides comprehensive Medicare plan comparisons, enrollment assistance, annual plan reviews, and educational resources to keep you informed about your Medicare options.

How do I get started with My360 Health Insurance Agency?

Reach out to us via phone, email, or our website contact form for a free consultation. Our team is ready to assist you with all your Medicare questions and needs.

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