Medicare FAQs | Michael Torres Medicare Insurance

Helpful Medicare Information

When can people sign up for a Medicare Advantage plan? What time of year?

Medicare’s Open Enrollment period happens annually between October 15th and December 7th. But, there are a number of exceptions that...

How much should I expect to pay for services provided by an Independent Medicare Insurance Agent?

You will NEVER pay for any help or services provided by an Independent Medicare Insurance Agent! The agent is compensated by Medicare and...

What is the benefit of working with an Independent Medicare Insurance Agent?

The benefits from working with an independent Medicare Agent versus contacting an insurance company directly for Medicare help are...

What’s the difference between Medicare and Medi-Cal (Medicaid)?

Medicare and Medi-Cal are both government health care programs, but they are very different. Medicare is typically for people who are 65...

What’s the difference between a Medicare Advantage PPO and HMO?

A Medicare Advantage HMO usually helps pay only for care you receive from providers in the plan network. A PPO plan will generally help...

How can I get dental and vision coverage with Medicare?

Unfortunately, Medicare doesn’t offer stand-alone dental plans to go alongside Original Medicare. If you want dental coverage under...

Can you have both employer insurance and Medicare?

The number of employees your company has will be a good telltale indicator for this. But, you must always speak with your company’s...

What happens if you don't sign up for Medicare?

If you don’t have the kind of insurance that allows you to delay enrolling in Part B (Medicare), when you are first eligible, you will...

Is it mandatory to go on Medicare when you turn 65?

As long as you have Group Health Insurance from an employer that you or your spouse actively work for after you turn 65, you can delay...