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Frequently Asked Medicare Questions and Answers

Having the right health insurance plan shouldn’t be complicated. But even if you were to ask someone who has been on Medicare for years, they’d tell you Medicare can be confusing.

We’re here with answers to frequently asked questions.

Medicare FAQs

What is Medicare Advantage?

Medicare Advantage is an alternative to Original Medicare provided by private health insurance companies who are approved by CMS.

These plans give you all the same coverage as Original Medicare with added benefits, such as prescription drug coverage, dental coverage, vision coverage, and more. Medicare Advantage is also known as Medicare Part C.

Am I eligible for Medicare?

Most people become eligible for Medicare when they turn 65. If you are 65 or older then you are eligible.

Additionally, some younger people are eligible, including those with disabilities, permanent kidney failure, or Lou Gehrig’s disease.

Do I have to enroll in Medicare when I turn 65?

While everyone’s circumstances are different, it is recommended that you enroll in a Medicare plan during your Initial Enrollment Period, which begins 3 months before your 65th birthday and ends 3 months after your birth month.

Even if you are still working and have employer coverage or you are a veteran with TriCare coverage, there can be benefits to enrolling in Medicare when you become eligible.

Those who do not enroll when they turn 65 may experience a gap in coverage and incur costly penalties for the remainder of their coverage once they do enroll.

How can I learn more about Medicare?

We offer a variety of resources for learning more. Explore our Medicare resource articles or watch a free educational video

Still have questions? Our knowledgeable agents are always available to answer your questions. Talk to a local advisor by calling 808-855-6637.


Does Medicare cover dental, vision, or hearing care?

Original Medicare (Parts A & B) does not cover dental, vision, or hearing care. These types of coverage can be purchased in addition to your Original Medicare plan, or you may bundle these coverages in a Medicare Advantage plan.

Medicare Savings FAQs

Am I paying too much for Medicare?

It is possible that you are overpaying for your health insurance coverage. Plans change as well as your personal coverage needs. It’s important to review your plan each year to make sure you’re paying for just the right amount of coverage for your needs.

Here are some questions to consider when reviewing your Medicare expenses:

  • Would you rather pay a higher premium or higher out of pocket costs for copays and deductibles?
  • Are you currently seeing a specialist or care provider who is out of network?
  • Would you save money bundling all of your healthcare coverage under one plan rather than having separate health, prescription drug, dental, vision, and hearing plans?

A short meeting with one of our licensed brokers could help you determine if there’s a more cost-effective Medicare plan out there for you.


Can I get help paying for my out of pocket health expenses?

If you don’t have a Medicare Advantage plan, a Medicare Supplement (Medigap) plan can help cover your out of pocket expenses, such as copayments, coinsurance, and deductibles.

Are there programs to help me pay for my Medicare costs?

Depending on your situation, you may be eligible for money-saving programs.   There are a variety of Medicare savings programs available, including programs to help cover your Medicare part b premium and prescription drug costs. To find out if you qualify for a money-saving program, we’d be happy to help. Get started by clicking here.  

Getting Started FAQs

What happens when I schedule an appointment with an agent?

When you meet with one of our licensed advisors they will take time to get to know you and learn about your needs to determine how they can help you.


What types of questions will my advisor ask in our initial meeting?

During your initial meeting, they will do their best to understand your needs. In order to do so, they will likely ask you a variety of questions regarding your healthcare needs.

  • Do you have any pre-existing conditions or are you receiving any ongoing care?
  • Outside of medical coverage, do you need vision, hearing, or dental coverage?
  • Do you have a set budget for your Medicare coverage?
  • Would you prefer to pay a high monthly premium or have a high deductible?
  • Would you prefer to continue seeing your same doctors or are you willing to see a different doctor?
  • What prescriptions are you taking?
  • Do you split your time between residences?
  • Are you still working?
  • Do you plan to travel?


How can I prepare for my appointment?

As you prepare for your appointment, it is helpful to gather informative documents to equip your broker with all the information they need in order to help you find the right plan.


Do I have to enroll in a plan if I meet with an agent?

As you prepare for your appointment, it is helpful to gather informative documents to equip your broker with all the information they need in order to help you find the right plan.


Can you help me enroll in a plan?

Yes! We’ll not only help you find the right plan for your needs, we’ll also help you enroll in your Medicare plan.

Plus, after enrollment, we go the extra mile to make sure you’re getting the most out of your new coverage.


Plan Advisors Hawaii FAQs

How much do you charge?

Our services are always 100% free. You’ll never receive a bill for our support or pay a dime to talk to one of our brokers.


What’s the catch? How can your services be free?

Just like auto and home insurance agents, our licensed Medicare insurance agents are compensated by the carrier of the policy that you enroll in.


What is the difference between a Medicare broker, Medicare agent, and Medicare advisor?

Broker, Agent, Advisor – it’s all the same. You may hear Plan Advisors Hawaii team members referred to as any of the three. It’s simply just three different ways to say that they are licensed, trained Medicare professionals who do not represent a single insurance carrier but, rather, provide access to all the leading carriers in the region.


What parts of Hawaii do you serve?

We serve all of Hawaii's major regions and everywhere in between.


How do you serve so much of Hawaii?

We’ve likely got a broker who lives in your own backyard! 

Our advisors benefit from our state-wide coverage and resources while having specialized knowledge of local Medicare plans, healthcare systems, and community resources.

Find the Medicare agent who is closest to you.


Why Choose Plan Advisors Hawaii?

We believe you should have access to experienced Medicare specialists who can provide you with resources to compare, buy, and enroll in the right health insurance plan at the right price. 

We are not a faceless call center or a transactional agent who will sign you up and never return your calls. With over 5,000 Hawaii Medicare beneficiaries served, our sole purpose is to provide you with the right Advisor who will be with you through your journey.

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