Frequently Asked Questions about Medicare
Can I have Medicare and private insurance from an employer?
Yes, it is possible. If you are 65 or older and still working at a company with 20 or more employees, your employer’s group health plan is typically your “primary” insurer, and Medicare is “secondary.” This means your employer plan pays your bills first. Many people in this situation choose to enroll in premium-free Part A but delay enrolling in Part B to avoid paying the monthly premium. It is very important to understand the specific rules before delaying Part B, so speaking with your HR department is a good first step.
Does Medicare cover me when I travel?
Generally, Original Medicare does not cover healthcare you receive outside of the United States. There are a few rare exceptions, such as on a cruise ship within six hours of a U.S. port. Some Medigap plans (C, D, F, G, M, and N) offer coverage for foreign travel emergencies, but it is limited. Most Medicare Advantage plans also do not cover care abroad, though some may offer emergency coverage as an added benefit. If you are a frequent international traveler, you should consider purchasing a separate travel medical insurance policy.
What if I cannot afford my Medicare costs?
There are programs to help. Medicare Savings Programs (MSPs) can help pay your Part A and/or Part B premiums, deductibles, and coinsurance. The “Extra Help” program can help pay for your Part D prescription drug costs. Both of these programs are based on your income and resources. You can learn more and see if you qualify by contacting your state’s Medicaid office or visiting the Benefits.gov website.
How do I check if my doctor accepts Medicare?
The easiest way is to simply call your doctor’s office and ask if they “accept Medicare assignment.” This means they agree to accept the Medicare-approved amount as full payment for covered services. Most doctors do. You can also use the “Physician Compare” tool on the Medicare.gov website to find doctors and other providers in your area who accept Medicare.
