How To Get Started
Froboese Insurance Services will help answer all your questions about Medicare. Not all plans are created equal and not all Baby Boomers on Medicare have the same needs. So, connect with one of our licensed insurance agents who will help you prepare for and explore the options that are right for you. For an appointment, please fill out the form on our contact page and an agent will be in touch or call us directly.
Who is eligible for Medicare?
Medicare is a health insurance program for people age 65 or older. People under age 65 with certain disabilities may also qualify and people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant) qualify for Medicare. See our Open Enrollment tab for more information.
When can I enroll in Medicare?
You are eligible for Medicare on your 65th birthday, but your Initial Enrollment Period (IEP) begins sooner. You can enroll in Medicare three months before your birthday month and three months after it, providing a seven month IEP window.
Do I have to enroll in Medicare when I turn 65?
It’s a good idea to compare your current health insurance policy against a Medicare health plan. Sometimes the costs are lower and coverage is the same or better than your employer’s. It doesn’t matter if you are still working or haven’t yet received your Social Security income check.
How do I find the right plan for me?
A licensed insurance agent can explain every part of Medicare and show you all of the Medicare and prescription drug plans in your area. We offer these services at no cost, and we are available for an in-home appointment.
When will my Medicare plan go into effect?
Once you complete your enrollment paperwork, generally your proposed effective date will be on the first of the following month. If you enroll during the open enrollment period, your plan will be effective on January 1 of the next year.
What is Medicare Advantage?
Medicare Advantage is commonly known as Part C. It is a type of Medicare insurance that combines Part A and Part B into a plan that not only covers the out-of-pocket expenses, but may provide additional coverage such as vision, dental, wellness programs, chiropractors and many more.
Are prescription drugs covered in Original Medicare?
No. However, you may purchase a prescription drug plan through a private insurance company that can offer you this coverage at an additional cost. If you are entitled to Medicare Part A and/or enrolled in Part B, you can purchase Part D as a standalone program to cover prescription drugs.