Questions about Medicare and working with Jason
Get a short answer here. For help with your own health insurance, contact Jason.
Updated . Medicare answers reference the official guidance linked below.
Is there a fee for Jason's help?
There is no cost to you for Jason's help and no obligation to enroll. Insurance premiums and other coverage costs are separate.
Do I need to know which plan I want?
No. Tell Jason what health insurance you have now and what you need help deciding. He can compare the plans he offers using your doctors, prescriptions, and expected costs.
Can we talk before my Medicare card arrives?
Yes. You can discuss options before the card arrives. To enroll in a Medicare health or drug plan, you need your Medicare Number and the relevant Part A or Part B start dates. You may find your number in your my Social Security account before the mailed card arrives.
Medicare.gov (search: what's next after applying)What if I am still working?
Tell Jason about your current health insurance and any planned changes. Your benefits administrator can confirm how your employer coverage works with Medicare.
Medicare.gov (search: working past 65)Does asking about my coverage mean I have to switch?
No. You can ask questions and consider your options without committing to a change.
Can a family member join the conversation?
Yes, if you want them involved. Let Jason know who will join and how you would like them to help. Any permissions needed for sharing information or making decisions depend on the situation.
What should I send through the contact form?
Send your contact details and a brief general question. Please leave out Medicare numbers, Social Security numbers, and personal medical information.
Where does Jason help people?
Jason is based in Denison and serves Sherman, Grayson County, and other areas where he is licensed. Visit Areas Served or ask whether he can help in your location.
How does Original Medicare differ from Medicare Advantage?
Original Medicare includes Part A and Part B. Medicare Advantage is a private-plan alternative that provides those benefits and usually includes Part D. Provider networks, costs, and coverage rules differ.
Medicare.gov (search: your coverage options)Is Medigap open enrollment the same as fall Medicare enrollment?
No. Your six-month Medigap Open Enrollment Period starts in the first month you are at least 65 and have Part B. It does not repeat every fall. Outside that period, health underwriting may apply unless you have a guaranteed-issue right or another protection.
Medicare.gov (search: Medigap buying protections)When can I change a Medicare Advantage or Part D plan?
Fall Open Enrollment runs October 15 through December 7; changes generally start January 1. If you already have Medicare Advantage, January 1 through March 31 allows one switch to another Medicare Advantage plan or a return to Original Medicare with the option to join Part D. Special Enrollment Periods may apply after qualifying events.
Medicare.gov (search: joining a plan)Do I need to consider Part D if I take no prescriptions?
Yes. Future medication needs can change. If you go 63 consecutive days or more without Part D or other creditable drug coverage after your initial enrollment period, you may owe a late enrollment penalty when you join. Extra Help and other exceptions may apply.
Medicare.gov (search: avoid late enrollment penalties)Can delaying Part B cause a penalty?
Yes, unless an exception applies. The Part B penalty is generally 10% for each full 12-month period you could have enrolled but did not. Qualifying current-employment coverage may allow a Special Enrollment Period. Check your situation before delaying enrollment.
Medicare.gov (search: avoid late enrollment penalties)