It’s one of the most common Medicare ads you’ll see this time of year: “$0 premium!” splashed across the screen. It sounds like a great deal—who wouldn’t want free coverage? But here’s the truth: $0 premium doesn’t mean $0 cost. With Medicare Advantage, the “premium” is just one piece of the puzzle. You still have […]
MDC Insurance Services
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What questions should I ask before choosing a Medicare plan?
When it comes to Medicare, the hardest part is knowing what questions to ask. The TV ads and glossy mailers make every plan sound perfect — but they rarely cover the details that matter most to your health and your wallet. Here are three of the most important questions to ask your agent (or yourself) […]
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Why does it matter to work with a local medicare broker?
Medicare is national, but your care is local. The plan you choose on paper has to work in real life — with the doctors, hospitals, and pharmacies right here in Richland County. That’s the problem with calling a 1-800 number. The person on the other end may not even know where Mansfield is, let alone […]
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Medigap vs. Medicare Advantage—how do I know which one is right for me?
Answer:Choosing between Medigap (Medicare Supplement) and Medicare Advantage comes down to your healthcare needs, budget, and personal preferences. Each option has distinct advantages and trade-offs, so it’s important to choose based on what matters most to you. Medigap (Medicare Supplement) plans work alongside Original Medicare to cover what Medicare doesn’t—typically the 20% of medical expenses […]
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Medicare, Social Security, employer coverage—how do I know when to enroll in Medicare?
Deciding when to enroll in Medicare depends on several factors, including whether you’re still working, what type of health coverage you have, and whether you plan to take Social Security benefits right away. Most people become eligible for Medicare at age 65. If you’re already receiving Social Security benefits, you’ll be automatically enrolled in Medicare […]
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I’m healthy and don’t take any medications—do I really need a Medicare Part D drug plan?
Answer:Yes, and here’s why: Even if you don’t take any medications today, enrolling in a Medicare Part D plan is a smart financial and healthcare decision. Medicare imposes a late enrollment penalty if you don’t sign up when first eligible, and that penalty isn’t just a one-time fee—it stays with you for life, increasing your […]