Frequently Asked Questions

Have questions about Medicare? There is a lot to know. Below you’ll find some answers to commonly asked questions help you get started.

Where can I get a new copy of my Medicare Card?

If you need to replace your Medicare card, you can do so by calling Social Security or online. Find out more about your Medicare card and how to order a replacement for a lost or damaged card.

If I am still working, can I keep my employer coverage?

If you plan to continue working past turning 65 and becoming Medicare eligible, it is critical to determine if your current coverage is considered ‘creditable’. This information will impact your decision. Find out more about creditable coverage or contact us for guidance in your Medicare decision.

If I go on Medicare how much total cost will I have?

Generally, you will have to pay a Part B premium, which is income dependent. Many people will also enroll in a Medicare Advantage plan or a Medicare Supplement plan and a Part D plan. The total cost can vary greatly.

See our coverage & costs page for more information, and reach out to us to set up an appointment to learn more about your individual situation.

When Is the Annual Election Period (AEP) for Medicare?

The Medicare Annual Election Period (AEP) runs from October 15 through December 7 each year. During this period, people on Medicare have the opportunity to make a change in their coverage. We are here to help you review and compare all Medicare plan options available. Contact us to schedule your appointment.

Where can I get help learning about the Medicare plans in my area?

Our experienced agents at Twin City Underwriters are knowledgeable about all of the different Medicare plan options available to you and can help you review the benefits to ensure the plan you choose meets your health and lifestyle needs.

Attending a free online Medicare 101 webinar is a quick and easy way to learn the basics of Medicare. Free one-on-one consultations are available to look closely at all plan offerings and determine what would provide the best coverage for you.

WHEN WILL MY MEDICARE START?

For most People the earliest you may start your Medicare is the first day of the month you turn 65. If you’re born on the 1st of the month you are eligible for the first of the preceding month. If you’re receiving social security disability or have certain diseases you may be eligible considerably earlier call for details.

WHAT’S MEDICARE PART A, PART B, PART C AND PART D?

You have many options when it comes to Medicare. Part A, Part B, Part C and Part D all offer different coverage choices. Check out our coverage & costs page for a full breakdown of what each plan covers or reach out to us to set up an appointment to go over your options.

DO I NEED TO SIGN UP FOR MEDICARE?

If you start receiving Social Security Income prior to 65 your Medicare part A and B will be started for you automatically. You should receive your card with both A & B effective dates between 90 and 100 days prior to your effective date. If you’re receiving group coverage [Groups of less than 50 can force you to sign up for part B] at the time you reach age 65 you have an option not to sign up for part B. You or your spouse must be actively earning your group coverage. COBRA is not a viable option for 65+ individuals. If you currently have “Creditable” drug coverage you have an option not to sign up for part D coverage. You can collect Social Security and not start your Medicare. Determining if you should stay on group coverage is a big decision and you should talk to a Medicare Professional to determine if you are giving up any options by doing so.

WHAT IS COVERED BY MEDICARE WHEN I AM OUT OF THE UNITED STATES?

Generally, Medicare does not cover anything while you are out of the U.S. You can get more information about traveling internationally with Medicare on our blog.

CAN I KEEP MY MEDICARE IF I MOVE TO ANOTHER STATE?

It depends on the type of plan you have purchased. Contact us for more information.

CAN I USE MY DOCTOR WITH MY MEDICARE PLAN?

If you use an agent, this is something they would make sure happens. Not all insurance companies work with all clinics. Not all clinics work with all insurance companies. Contact us for more information.

IF YOU ARE A VETERAN DO YOU NEED A PART B PLAN?

It depends. Not all Veterans can access VA benefits. In addition, the VA has a closed prescription drug formulary so it is possible that a qualified veteran will need a plan with coverage for a non-covered medication. Contact us for more information.

Our experienced, licensed agents are knowledgeable about the different types of Medicare health plans and can help assist you in the process of finding a plan to suit your individual needs. We offer free informational Medicare workshops throughout the state of Minnesota and free one-on-one meetings with agents where you can ask questions and get personal answers. To attend a seminar or set up an appointment call us toll free at 1-800-507-6778 or send us a Message. We are here to help you.