16. When Can I Make Changes To My Medicare Coverage?

seniorwomanOnce you are enrolled into Medicare, you can make changes to your existing coverage once per year during the Open Enrollment Period. Open Enrollment starts on October 15th and extends through December 7th each year. Your changes will then take effect on January 1st the following year.

17. Make Sure Your Doctor Is In The Network For A Medicare Advantage Plan.

doctor-physicianIf you elect to go with a Medicare Advantage plan, make sure your current physician is in the network for that plan. Most Medicare Advantage plans are either PPO or HMO plans, so unless you want to switch doctors, you are going to want to make sure your current physician is part of their network.

18. Can My Medigap Policy Cover My Spouse As Well?


No. A Medicare Supplemental policy only provides coverage for you. It does not cover anyone else in your family. If your spouse wishes to have the same or similar coverage, they will need to obtain their own Medigap policy.

19. Can I Get Long-Term Care Coverage Through A Medigap?

medicare-questionUnfortunately, no. Medigap policies generally do not cover long-term care. They also lack coverage for vision care, dental care, hearing aids, glasses, and private-duty nursing.

20. When Is The Medicare Open Enrollment Period?

open enrollmentMedicare Open Enrollment starts on October 15th each year and runs through December 7th. Your enrollment or any changes you make to your plan then take effect on January 1st of the following year.

For example, if you enroll in Medicare on December 1st, 2013, your coverage begins on January 1st, 2014.