Frequently Asked Questions

What is Medicare Advantage?

Medicare Advantage (also known as “Part C”) is an all-in-one alternative to Original Medicare. These comprehensive bundled plans include Part A, Part B, and may include Part D. Most plans offer extra benefits Original Medicare doesn’t cover – like dental, vision, hearing, and more.

When can you enroll in Medicare?

You have an initial 7-month Medicare enrollment period when you first become eligible for Medicare. The 7-month enrollment period includes:

• 3 months before the month of your 65th birthday
• The month you turn 65
• The 3 months after your 65th birthday

How do I get my Medicare card or number?

CalMedi provides unclaimed property search, claim filing assistance, and other asset locator services. These services are provided to assist individuals and businesses locate and recover their lost, unclaimed, or abandoned assets, such as bank accounts, insurance policies, retirement funds, and other types of assets.

Special Enrollment Periods?

There are specific Special Enrollment Periods (SEP) for when you can enroll outside of the 7-month period. If you miss these enrollment periods, there are additional times of the year when you can enroll, but you may not have medical coverage during this lapse. Give us a call—we’ll answer all your questions and walk you through some of the things you should keep in mind. If you currently have coverage through your employer, it’s important to compare what you have now to what you could receive when you become Medicare eligible.

Is Original Medicare enough?

If you’re considering Original Medicare for your coverage, it’s important to know that Medicare alone may not provide all the coverage that fits your needs. While this option provides you with flexibility in your choice of doctors, specialists and hospitals, you are financially responsible for some benefits and services. For example:

• Not all benefits are covered, including ones such as eyeglasses, gym membership and most prescription drugs
• You pay a deductible for some services
• Expect to pay as much as 20% in out-of-pocket coinsurance for most medical costs

Medicare supplemental insurance and Part D prescription drug plans?

Some people choose to purchase a Medicare supplemental (Medigap) plan to cover the gaps in coverage of having just Original Medicare. This option, however, may result in high monthly premiums, which can increase year over year. A supplemental plan covers some of the financial gaps of Original Medicare but does not cover prescription drugs, and generally does not cover dental care or eye and hearing exams. Some people also purchase a Part D prescription drug plan to cover most medications, which are not covered by Original Medicare alone. Copays and deductibles may vary from one Part D plan to another. You will also be expected to pay an additional premium.

Have additional questions?

If you have further questions, we encourage you to visit the Contact Us page.