Frequent Asked Questions (FAQs)

Everyone has questions about Medicare! It just goes with the territory.  While there is no cookie-cutter list of questions (or answers) that apply to everyone, we have collected the most common questions … and answered them for you.  Check back often as we add more Q&As!

FAQs (and the Answers)!


QUESTION:  What does Medicare cover?
ANSWER:  Original Medicare consisted of :

  • Part A. Covers Hospital and some Skilled Nursing, and Hospice
  • Part B. Services from Doctors and other health care providers, Durable medical equipment, outpatient care and many preventive services.

Since Original Medicare Parts C and D have been added.

  • Part C. (Medicare Advantage) includes all the benefits and services covered under Part A and Part B, generally includes a prescription drug plan, run by Medicare approved private insurance companies. May include extra benefits such as some  Vision and Dental, and Silver Sneakers (gym membership).
  • Part D. Helps cover the cost of prescription drugs and run by approved private insurance companies.

QUESTION:  What doesn’t Medicare cover?
ANSWER:  Original Medicare does not cover:

  • Cosmetic surgery
  • Most Dental care
  • Routine eye exams
  • Dentures
  • Hearing aids and exams for fitting them
  • Long-term care

QUESTION:  What is original Medicare?
Original Medicare consists of Part A & B.  Part D has been added.  Medicare Advantage Plans & Part C are not part of Original Medicare.

QUESTION:  Do I have to sign up for Medicare if I am still working?
ANSWER: When turning 65 and still working or covered under a spouses plan wants to sign up for at least Part A.

QUESTION:  How much does Medicare cost?
ANSWER:  The cost of Medicare is based on your adjusted gross income and runs from  $135.50 to approximately $500. The prescription drug plans start from $13.40 and increase depending upon the plan.

QUESTION:  When can I change plans?
ANSWER:  The yearly Medicare Open Enrollment / Annual Election period typically runs from the mid-October through the first week of December. 

QUESTION:  What are my rights if I move out of my plans service area?
ANSWER:  For those who move and are out of the coverage area, they become eligible for guarantee issue, however for a shorter period of time.

QUESTION:  I am turning 65 in a few months, why am I getting so much mail and so many phone calls about Medicare Health plans?
ANSWER:  We all get inundated with phone calls and mail because we are in the guarantee period which means we are guaranteed  coverage regardless of our health. 

Our Services

Medicare Help Florida Provides the Following Services:


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Confused with the Medicare Part D Application?

Medicare prescription drug coverage is an optional benefit. Medicare offers prescription drug coverage to everyone with Medicare.
To get Medicare drug coverage, you must join a plan approved by Medicare that offers Medicare Drug Coverage.  Each plan can vary in cost and drug coverage. (Source:
To help you with your Medicare Part D application, we’ve created a Step-by-Step plan.

Mike R.
Senior Insurance Agent

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Kim A-C.
Senior Insurance Agent