1. When can I enroll in Medicare?

You can enroll in Medicare during the following time periods:

• Initial Enrollment Period (IEP): This is a 7-month window that starts 3 months before the month you turn 65, includes your birth month, and ends 3 months after.

• General Enrollment Period: If you miss your IEP, you can enroll between January 1 and March 31 each year. Coverage begins July 1.

• Annual Enrollment Period (AEP): From October 15 to December 7, you can make changes to your existing Medicare Advantage or Part D plans.

• Medicare Advantage Open Enrollment: From January 1 to March 31, if you're already enrolled in a Medicare Advantage plan, you can switch to another Medicare Advantage plan or go back to Original Medicare.

• Special Enrollment Periods (SEP): You may qualify for a SEP if you lose employer coverage, move, or experience other life changes.
  

2. What’s the difference between Medicare Part A, Part B, Part C, and Part D?

• Part A – Hospital insurance: Covers inpatient care, skilled nursing facilities, and some home health care.

• Part B – Medical insurance: Covers doctor visits, outpatient services, preventive care, and more.

• Part C (Medicare Advantage) – An alternative to Original Medicare, offered by private insurers. Often includes additional benefits like dental, vision, and prescription coverage.

• Part D – Prescription drug coverage: Helps pay for medications. Must be added separately if you have Original Medicare.

3. Do I need to sign up for Medicare when I turn 65?

It depends. If you're already receiving Social Security or Railroad Retirement benefits, you'll be automatically enrolled in Part A and Part B.

If you're still working and have employer health coverage, you may be able to delay enrolling in Part B without penalty. We can help you review your options and avoid costly mistakes.

4. Is there a penalty if I don't enroll in Medicare on time?

Yes, you could face late enrollment penalties if you don't sign up when you're first eligible—especially for Part B and Part D. These penalties can increase your monthly premiums permanently.

To avoid this, it's best to speak with an agent before your 65th birthday to understand your timeline.

5. What is the difference between Original Medicare and Medicare Advantage?

• Original Medicare (Parts A & B): Offered by the federal government. You can see any doctor who accepts Medicare. Doesn’t include drug coverage—you’ll need a separate Part D plan.

• Medicare Advantage (Part C): Offered by private insurers and includes all the benefits of Parts A and B. Most plans also include drug coverage and extra benefits like dental, vision, and fitness programs.

6. Can I change my Medicare plan later?

Yes! The Annual Enrollment Period (Oct 15 – Dec 7) is the most common time to switch plans. You can also change during the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31) or a Special Enrollment Period if you qualify.

We recommend reviewing your plan each year, especially if your health needs or medications change.

7. How much does Medicare cost?

• Part A is usually free if you or your spouse worked and paid Medicare taxes for at least 10 years.

• Part B has a monthly premium (most people pay the standard rate, which is set annually).

• Part D and Medicare Advantage plans have varying premiums, deductibles, and co-pays depending on the plan you choose.

We can help you compare plans based on your healthcare needs and budget.

8. What if I’m helping a parent or spouse enroll in Medicare?

We work with many adult children and caregivers who are helping loved ones through the Medicare process. We're happy to walk you through everything—from paperwork to plan options—so you can feel confident you're making the right choice together.

9. Can The Piety Group help me enroll?

Absolutely. Our licensed, local agents in Western New York will guide you through the entire Medicare enrollment process. We’re here to answer your questions with clarity, patience, and care.