📆 Enrollment Periods
When can I change my plan?
AEP is Oct 15–Dec 7. You may qualify for a Special Enrollment Period (SEP).
What if I missed enrollment?
You may qualify for SEP due to life events like moving, Medicaid, or retiring.
What are IEP, OEP, AEP, SEP?
They're all Medicare enrollment windows — each with a different purpose and timing.
💵 Costs & Coverage
What does Medicare cost per month?
Part A is usually free. Part B is around $174.70/month in 2024. Advantage/Supplement plans vary.
What’s the 20% I have to pay?
Medicare Part B pays 80% — you're responsible for the other 20% unless you have additional coverage.
Is there help if I can’t afford it?
Yes — Medicaid, LIS (Extra Help), and Medicare Savings Programs can lower or eliminate costs.
💊 Drugs & Prescriptions
Are my medications covered?
Every plan has a formulary. Your meds may or may not be on the list. Always check.
What is the Donut Hole?
A temporary gap in coverage during high drug spending. It’s smaller now, but still exists.
Can I get help with prescriptions?
Yes — through LIS, state assistance, or D-SNPs if you qualify for Medicaid too.
🧾 Extra Help & Medicaid
What is Extra Help / LIS?
A federal program that reduces your Part D drug costs based on income/assets.
What is a D-SNP plan?
A Dual Eligible Special Needs Plan for people who have both Medicare and Medicaid.
What does Medicaid add to my coverage?
Dental, vision, hearing, groceries, rides, $0 meds, personal care — depends on the plan.
