This is a test question
Q: Do Medicare premiums change every year?
A: Yes. Part B premiums, Part D premiums, deductibles, and IRMAA brackets can change annually based on federal updates and plan adjustments.
Q: Can I change my Medigap plan during AEP?
A: Technically yes, but AEP is for Advantage and drug plans. Medigap changes require underwriting unless you’re in a guaranteed-issue situation.
Q: What should I review each year during AEP?
A: Check:
Q: When can I change my Medicare plan?
A: The Annual Enrollment Period (Oct 15–Dec 7) allows you to switch Medicare Advantage or Part D plans. Changes take effect Jan 1.
Q: What is a Special Enrollment Period?
A: These are special windows (after moving, losing coverage, changes in eligibility, etc.) that allow you to change plans outside of AEP.
Q: Is Medigap or Medicare Advantage better?
A: It depends on your needs:
Q: Will my Medigap premium increase over time?
A: Most likely, yes. Premiums can rise due to age, inflation, or company-wide pricing changes.
Q: Does Medigap cover dental or vision?
A: No. Medigap only covers medically necessary services under Original Medicare. You’d need a dental/vision plan or Medicare Advantage for those benefits.
Q: Can I be denied Medigap coverage?
A: Yes—outside your Medigap Open Enrollment window or a guaranteed-issue period, insurers can require health underwriting and may deny your application.