Frequently Asked Questions About Medicare
Can I change my Medicare coverage every year?
Yes. You can switch between Medicare Advantage plans or change your Part D drug coverage annually during Open Enrollment from October 15 to December 7.
Switching from Medicare Advantage back to Original Medicare with a Medigap policy may require medical underwriting if you are outside your initial guaranteed-issue window.
What happens if I keep working past age 65?
If your employer has 20 or more employees, your group health plan remains primary to Medicare. You can delay Part B without penalty until that employment ends.
Confirm with your benefits administrator that your job coverage qualifies as creditable before delaying enrollment, as COBRA and retiree plans do not qualify.
Does Medicare cover routine dental, vision, and hearing care?
Original Medicare excludes routine dental exams, cleanings, eyeglasses, and hearing aids from coverage.
Many Medicare Advantage plans offer supplemental allowances for these routine services, or you can purchase separate private dental and vision policies.
Where can I get personalized, unbiased help with my Medicare choices?
Contact your local State Health Insurance Assistance Program through shiphelp.org for free, confidential guidance tailored to your specific healthcare needs and budget.
You can also compare plan costs on Medicare.gov or speak directly with official representatives at 1-800-MEDICARE.
HealthyHabits.care is an independent publication and is not connected with or endorsed by the U.S. government or the federal Medicare program. This article is general information, not insurance or legal advice. For free, unbiased help with your coverage, contact your State Health Insurance Assistance Program (SHIP) or call 1-800-MEDICARE.
