Getting authoritative answers
For questions specific to your enrollment record, eligibility, or a claim, Medicare and Social Security are the authoritative sources. A licensed insurance agent can help you compare the plans Everlive Advisors LLC represents in your area.
- Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week
- The Social Security Administration for enrollment, premiums, and Extra Help
- Your local State Health Insurance Assistance Program (SHIP) for free counseling
Frequently asked questions
- When am I eligible for Medicare?
- Most people become eligible at age 65. Some people become eligible earlier through disability or specific medical conditions. Eligibility is determined by Medicare and the Social Security Administration.
- What is the difference between Original Medicare and Medicare Advantage?
- Original Medicare is Part A and Part B administered by the federal government with no network. Medicare Advantage is a private plan that administers those benefits, usually within a network, and often includes prescription drug coverage.
- Do I need Part D if I do not take medications?
- It is optional, but going without creditable prescription drug coverage after you are first eligible can result in a late enrollment penalty that generally lasts as long as you have Part D.
- Can I keep my doctor?
- With Original Medicare you can see any provider who accepts Medicare. With a Medicare Advantage plan it depends on whether your provider is in that plan's network, which should be verified before enrolling.
- What does Medicare cost?
- Most people pay no Part A premium, while Part B has a monthly premium plus a deductible and coinsurance. Additional costs depend on the coverage you choose. Current figures are published at Medicare.gov.
- When can I change my plan?
- Most changes happen during the Annual Enrollment Period, October 15 through December 7. Medicare Advantage enrollees have another window January 1 through March 31, and Special Enrollment Periods apply to qualifying events.
- Is there a cost to work with a licensed agent?
- You are not charged a fee for speaking with a licensed insurance agent about your options.
- Does Insurance Allies represent every Medicare plan?
- No. We do not offer every plan available in your area, and our information is limited to the plans Everlive Advisors LLC represents. Contact Medicare.gov, 1-800-MEDICARE, or your local SHIP to learn about all of your options.
- Is Insurance Allies part of the government?
- No. Insurance Allies is a private, non-government entity and is not connected with or endorsed by the U.S. government, the federal Medicare program, or CMS.
- What happens after I submit a form?
- A licensed insurance agent may contact you by phone, email, or text about the coverage you asked about. Consent is not a condition of purchase, and there is no obligation to enroll.
Talk through your Medicare options
Answer a few questions and a licensed insurance agent can help you review the Medicare options available where you live. There is no obligation to enroll.
By calling or submitting a form, you may be connected with a licensed insurance agent.
