Medicare Resources & FAQs—Guidance Made Simple
Applying for Medicare?
If you are already collecting Social Security, you will automatically receive your red, white, and blue Medicare card roughly 90 days prior to your Medicare eligibility date.
You can apply for Medicare in any of the following ways:
- Online at: ssa.gov/benefits/medicare/
- Over the phone by calling Social Security at 800-772-1213
- If you require a Part B-only application: You can download the form below, fill it out and drop it off at your local Social Security office.
Working Past Age 65
If you are over the age of 65 and still working, and are about to come off of your group plan and start Part B, your employer needs to fill out the form below, which goes along with the Part B application above, and drop it off at your local Social Security office.
frequently asked questions
Michigan Medicare Enrollment—Your Top Questions, Answered
How do I sign up for Medicare?
If you receive Social Security, your card usually arrives automatically. If not, you can enroll through Social Security online, by phone, or at a local office. We can walk through which parts you need first and when to start.
Will I save money by enrolling directly with an insurance carrier?
Get a QuoteRates are filed with the state, so pricing is the same whether you work directly with a carrier or with us. We compare multiple carriers at once to help you find solid value on premiums, copays, and networks.
How do you get paid? Is there a fee for your service?
Get a QuoteCarriers pay us, not you. Our time and advice are free—so you can compare options without pressure.
This is my first-time enrollment in Medicare Advantage—what should I know?
Get a QuoteWe’ll confirm your doctors are in-network, run a prescription check, and compare plan benefits and costs side by side. Many Michigan counties have $0 premium options, but total cost (copays, MOOP, drug tiers) matters most.
I’m planning on making changes during open enrollment—are there any penalties?
The Medicare Advantage Open Enrollment Period provides a window to adjust your MA plan. We’ll confirm eligibility and timelines so changes take effect as expected.
I have a discontinued plan—what do I do?
If your Medicare Advantage or Part D plan is discontinued, the carrier will notify you. You can choose a new plan at that time; you do not have to wait for AEP.
Mid-year changes—what is a Special Enrollment Period (SEP)?
Certain events—moving, losing employer coverage, qualifying for Extra Help/Medicaid, and other circumstances—may trigger a SEP. A Special Enrollment Period is triggered by events like moving, losing coverage, or qualifying for extra help.We’ll confirm if you qualify and outline next steps.
What are the Annual Enrollment Period (AEP) basics?
AEP runs Oct 15–Dec 7. This is when you review benefits, verify your doctors and prescriptions, and make changes for the next year. Many people ask, “Should I switch my Part D plan each year?” We’ll compare formularies and pharmacies so you avoid overpaying.
Will my doctor take this plan?
Networks vary by carrier and plan. We look up each provider you see—across Novi, Farmington Hills, Milford, and surrounding areas—before you enroll.
Are Supplements (Medigap) better than Advantage (Part C)?
It depends on your needs, travel, and budget. We’ll compare Medigap vs. Medicare Advantage side by side so you can decide what fits.
How can Medicare Advantage plans have such low premiums?
Some plans are subsidized, which can reduce or eliminate premiums. We focus on total cost and benefits, not just the monthly price.
What if I’m switching back to Original Medicare and adding Part D?
There are specific windows during the year to make this change. We’ll review your timing and confirm Medigap eligibility if you want to add a supplement.
I missed AEP—what now?
You may still have options. We’ll review your situation to see if another enrollment period applies or if your current plan remains a good fit.
Plan Finder tools vs. personal help - what’s best for me?
Online tools are helpful, but the differences between plans can be subtle. We compare your doctors, prescriptions, and pharmacies to reduce surprises.
I don’t qualify for SEP—do I have to wait?
If you don’t qualify for a SEP and missed AEP, you may need to wait for the next AEP to make changes. We’ll monitor updates and remind you when it’s time to review.
What is the 2025 Part B premium?
The standard Part B premium is $185/month (higher amounts may apply with IRMAA).
Can I drop a discontinued plan mid-year?
Yes. If the carrier discontinues your plan, you can choose a new one at that time.
Talk With a Local Team in Southeastern Michigan
Chat with us today, We’re Here to Help.
Whether you’re in Michigan or another state we serve, we can meet by phone, video, or in person where available. We’ll review your doctors, prescriptions, and timing, then guide you to a plan that fits—same clear process, same no-cost consultation, and simple e-signature enrollment. Don’t wait, get started today!
