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Frequently Asked Questions

Medicare Supplement Basics


Q. When does a person qualify for Medicare?

A. Most people "Age-In" to Medicare when they turn 65 and qualify for premium-free Part A and for Part B of Medicare, for which they pay a monthly premium. Others will qualify for Medicare due to disability prior to age 65. To qualify for "premium free" Part A, a person must have worked and paid into the Social Security system for a minimum of 40 quarters (10 years). Otherwise they may either pay a premium to get Part A or not be eligible for it.


Q. What do I need before I can buy additional Medicare Insurance?

A. You need to have both Medicare Part A and Part B before you can purchase a Medicare Advantage plan or Medicare Supplement insurance. You sign up for Part A and Part B by contacting the Social Security Administration (www.ssa.gov) - 1-800-772-1213


Q. What does Standardized Medicare Supplement plan mean?

A. Standardized plans mean that the benefits of the insurance plan are the same no matter what company you purchase the plan from. So a Plan F from one company has exactly the same benefits as a Plan F from all other companies.