Frequently Asked Questions
Straight answers to common Medicare questions
No jargon, no fine print you need a magnifying glass for. If your question isn't here, call Arlyne directly and ask.
Medicare Basics
Q.What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) bundles your hospital, medical, and often drug coverage into one plan through a private insurer, usually with a network of doctors. Medicare Supplement (Medigap) works alongside Original Medicare and helps pay the costs Medicare doesn't cover, letting you see any doctor who accepts Medicare. Arlyne can walk through which approach fits how you use healthcare.
Q.Do I need Medicare Part D if I don't take any medications right now?
Most people are better off enrolling in a Part D plan even with no current prescriptions. Skipping it can lead to a late enrollment penalty if you sign up later, and health needs can change quickly.
Q.When am I first eligible for Medicare?
Most people become eligible the month they turn 65. Your Initial Enrollment Period runs for seven months: three months before your birthday month, your birthday month, and three months after.
Costs & Coverage
Q.Will switching plans cost me my current doctor?
It depends on the plan. Medicare Advantage plans often use networks, so Arlyne checks whether your specific doctors and pharmacy are included before recommending anything. Medigap plans generally let you keep any doctor who accepts Medicare.
Q.How much will a Medicare plan cost me each month?
Costs vary widely based on the plan type, your health needs, and where you live. Some Medicare Advantage plans have $0 monthly premiums, while Medigap plans typically carry a monthly cost in exchange for lower out-of-pocket bills. Arlyne compares real numbers for your situation.
Q.Are there extra benefits beyond hospital and doctor visits?
Many plans include dental, vision, hearing, and fitness benefits. Arlyne can show you which of your current or available plans include these extras.
Switching Plans & Enrollment
Q.When can I make changes to my coverage?
The Annual Enrollment Period runs October 15 through December 7 each year, when you can switch Medicare Advantage or Part D plans. Medigap can often be changed anytime, though medical underwriting may apply outside certain windows. Arlyne tracks these dates so you don't have to.
Q.What happens if I miss an enrollment deadline?
Missing a deadline can mean waiting until the next enrollment period, and in some cases, a late enrollment penalty added to your premium. Arlyne's Silver Bulletin includes deadline reminders so this doesn't happen.
Q.Is it true I can lose coverage if I don't pay attention every year?
Plans can change their costs, coverage, and drug lists from year to year, even if you don't do anything on your end. Arlyne recommends a quick annual review to make sure your plan still fits. Most people find peace of mind rather than problems.
Working with Arlyne
Q.Does it cost anything to work with Arlyne?
No. Consultations and plan reviews are always free, with no obligation to enroll in anything.
Q.Is Arlyne trying to sell me one specific company's plan?
No. Arlyne is an independent broker with access to multiple top-rated carriers, so her recommendation is based on what fits your health and budget, not a sales quota.
Q.Will this lead to a bunch of spam calls from other agents?
No. Your information stays with Haraburda Benefits. Arlyne is the one who follows up, not a call center or a list shared with other agents.
Q.What if I just have a quick question and I'm not ready to enroll?
That's exactly what the contact form and phone line are for. Arlyne is happy to answer a single question with no pressure to schedule anything further.
Didn't find your answer?
Arlyne would rather answer your specific question directly than have you guess.