Frequently asked questions

How do I know what doctors I can see?

Provider rules vary by Medicare Advantage plan. HMOs generally require in-network care except for emergencies, while PPOs may cover out-of-network care at a higher cost. Check both the plan's current provider directory and the provider before receiving care. Most Medigap policies work with any provider nationwide who accepts Medicare, although Medicare SELECT policies may use a network for non-emergency care.

When can I enroll for Medicare?

You can begin enrolling during your Initial Enrollment Period. This period begins three months before you turn 65, includes your birth month, and ends three months after you turn 65. If you fail to enroll during this initial period you may be forced to pay a higher premium later. Individuals who are still working, or who have insurance through a spouse's employer, may qualify for a Special Enrollment Period after their 65th birthday.

When is the annual enrollment period?

Medicare Open Enrollment runs October 15 through December 7, with changes generally effective January 1. During this period you can make Medicare Advantage and Part D changes, including moving between Original Medicare and Medicare Advantage. The separate Medicare Advantage Open Enrollment Period runs January 1 through March 31 and allows one change only for people already enrolled in Medicare Advantage.

Can I switch plans at any time?

Not generally. Medicare Open Enrollment and qualifying Special Enrollment Periods allow certain Medicare Advantage and Part D changes. If you are already in Medicare Advantage, the January 1 through March 31 Medicare Advantage Open Enrollment Period allows one plan change or a return to Original Medicare, with an opportunity to join Part D. Medigap has a separate one-time six-month Open Enrollment Period beginning when you are 65 or older and enrolled in Part B. Outside it, medical underwriting may apply unless you have a guaranteed-issue right or another state protection.

I am a veteran with health care coverage from the VA. Do I need Medicare as well?

VA health care and Medicare are separate programs. The VA encourages eligible veterans to enroll in Medicare so they have options for non-VA care. Part B timing deserves particular attention because VA coverage alone does not prevent a Part B late-enrollment penalty.

Are there costs associated with purchasing my insurance through a CSG Insurance Pros agent?

CSG does not charge clients a separate fee for its plan-comparison and enrollment help. Insurance companies generally compensate agents, and compensation can vary by carrier, product and enrollment type. Ask which carriers an agent represents and how the agent is paid.

When do I get my Supplement or Advantage card?

Your Medicare Supplement or Medicare Advantage insurer sends its own member ID card after enrollment is approved. Delivery times vary by carrier. If coverage is about to begin and your card has not arrived, contact the carrier directly and ask how to access a temporary or digital card.

What if Original Medicare does not cover the services I need?

Original Medicare generally does not cover routine dental care, routine eye exams for glasses, hearing aids or long-term custodial care, although it covers some related services in limited circumstances. Some Medicare Advantage plans offer extra dental, vision or hearing benefits, with limits that vary by plan, and standalone coverage may also be available.

What if I move from my state?

Because Medicare is a federal program, your Part A and Part B will not change if you move to another state, but your options for Advantage (Part C) and Prescription (Part D) plans will likely change. Contact Medicare as soon as possible to ensure there are no disruptions in your coverage, and contact us so we can help you choose a new Part C or Part D plan offered in your new area.

How do I get started?

You can trust CSG Insurance Pros agents to explain the process to you. Each plan is unique and it may be difficult to find a plan that fits your specific needs. Just because a plan works for a friend or family member does not mean it will work for you. Count on the advice of our licensed agents to find the right plan.

Veterans can read the full explanation of how VA benefits and Medicare work together on our veterans page, including links to the VA’s current guidance.