Frequently asked questions

Original Medicare consists of Part A (hospital coverage) and Part B (medical coverage). It allows you to see any doctor or hospital that accepts Medicare nationwide, but it does not include prescription drug coverage or most dental and vision services. Many people with Original Medicare also choose to purchase a separate Part D prescription drug plan and may add supplemental coverage.

Medicare Advantage (also called Part C) is an alternative to Original Medicare offered by private insurance companies approved by Medicare. These plans combine Part A and Part B coverage and often include prescription drug coverage. Many Medicare Advantage plans also offer additional benefits not included in Original Medicare, such as dental, vision, or hearing coverage. Costs, provider networks, and benefits vary by plan and by ZIP code.

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Many Medicare Advantage plans include dental and vision benefits, but coverage varies by plan and by location. Depending on the plan, benefits may include routine dental exams and cleanings, vision exams, and allowances for glasses or contacts.

Not all plans include these benefits, and coverage amounts and provider networks can differ. Dental and vision benefits are not guaranteed and should always be reviewed before enrolling.

In many cases, you may only change Medicare Advantage plans during the Annual Enrollment Period (October 15 – December 7). If you’re already in a Medicare Advantage plan, you can also make one change during the Medicare Advantage Open Enrollment Period (January 1 – March 31). Some people may qualify for a Special Enrollment Period (SEP) outside of those windows.

You may be eligible for an SEP due to certain life events, such as moving to a new service area, losing other health coverage, qualifying for Extra Help or Medicaid, or changes in your current plan’s contract with Medicare.

Eligibility for a Special Enrollment Period depends on your individual situation. A licensed agent can help determine whether you qualify and what options may be available.