1. Why should I choose your agency for Medicare plans?

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At Golden Health, we are uniquely positioned to help you navigate the complexities of Medicare because Golden Health is not just an insurance agency— we are a team of licensed pharmacists & healthcare insurance agents. With our expertise in both healthcare and insurance, we deeply understand how the healthcare system works and can match you with a plan that fits your medical needs, lifestyle, and budget. Our goal is to ensure your healthcare coverage truly supports your overall well-being.​​

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2. What is Medicare, and how does it work?

 

Medicare is a federal health insurance program for people aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions. It consists of multiple parts:

• Part A (Hospital Insurance)

• Part B (Medical Insurance)

• Part C (Medicare Advantage Plans)

• Part D (Prescription Drug Coverage)

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3. What is the difference between Original Medicare and Medicare Advantage?​

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• Original Medicare includes Part A and Part B, offering basic coverage but without prescription drug benefits (Part D) or additional benefits like vision or dental.

• Medicare Advantage (Part C) plans are offered by private insurers and include all benefits of Parts A and B, often bundled with prescription drug coverage and additional benefits

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4. When can I enroll in Medicare?

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You can enroll during the following periods:

• Initial Enrollment Period (IEP): 3 months before, during, and 3 months after your 65th birthday.

• Annual Enrollment Period (AEP): October 15 – December 7 for changes to your plan.
  Special Enrollment Period (SEP): For qualifying life events, such as losing other coverage.

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5. What happens if I don’t enroll in Medicare on time?

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Delaying enrollment without qualifying for a Special Enrollment Period may result in penalties, such as higher premiums for Part B and Part D. It’s essential to enroll on time to avoid unnecessary costs.​

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6. Can you help me compare Medicare plans?

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Yes! Our agency provides personalized guidance to compare plans based on your specific needs, such as preferred doctors, prescriptions, and budget.​

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7. Does Medicare cover prescription medications?

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Original Medicare (Parts A and B) does not cover most prescriptions. You will need a Part D plan or a Medicare Advantage plan with prescription drug coverage for medications.​

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8. How can I reduce my out-of-pocket costs with Medicare?

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We can explore supplemental options like Medigap policies or Medicare Advantage plans that cap out-of-pocket expenses and include additional benefits like vision, dental, or wellness programs.​

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9. How do you help with the enrollment process?

 

We simplify the enrollment process by guiding you step-by-step. Whether you're new to Medicare or switching plans, we ensure you understand your options and help you make informed decisions.

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10. Do you charge for your services?

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No, our services are free for clients. We are compensated equally by the insurance carriers, so you get expert advice and support at no additional cost to you.

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