MEDICARE OPTIONS FOR YOU
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Medicare FAQ's


What is Medicare? Medicare is a national health insurance program in the United States, begun in 1965 under the Social Security Administration and now administered by the Centers for Medicare and Medicaid Services.

When can I apply for Medicare? During your Initial Enrollment Period. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65.

Medicare vs. Medicaid:  Medicare is a federal program that provides health coverage if you are 65+ or under 65 and have a disability, no matter your income. Medicaid is a state and federal program that provides health coverage if you have a very low income. 

What is Medicare Part A?  Part A is hospital insurance. ... You will also have to pay a deductible before Medicare benefits begin. Medicare will then pay 100% of your costs for up to 60 days in a hospital or up to 20 days in a skilled nursing facility. After that, you pay a flat amount up to the maximum number of covered days.

What is Medicare Part B? Part B is medical insurance. Benefits cover certain non-hospital medical expenses like doctors’ office visits, blood tests, X-rays, diabetic screenings and supplies, and outpatient hospital care. You pay a monthly premium for this part of Original Medicare. The fee can be higher for people with high incomes. A different government program, Medicaid, can help cover Medicare Part B premiums for low-income beneficiaries.

What is Medicare Part C?  Medicare Part C is also known as Medicare Advantage.  This insurance often includes every type of Medicare coverage in one health plan. It’s offered by private insurance companies contracted through CMS to provide a Medicare benefits package as an alternative to Original Medicare. Enrolling into a Medicare Advantage plan is optional, but to obtain this private insurance, you must also have Original Medicare, Part A and Part B. You also may have to continue to pay your Part B premium if you have a Medicare Advantage plan.

What is Medicare Part D? Part D is optional prescription drug coverage. Medicare Part D is available as a stand-alone prescription drug plan through private insurance companies, and the monthly fee varies among insurers.


Medicare Open Enrollment: This period is also known as Fall Open Enrollment, and the Annual Election Period. This Medicare Open Enrollment period happens every fall, from October 15 to December 7. 
This Medicare Open Enrollment period generally lets you:
  • Sign up for a Medicare Advantage plan
  • Change from one Medicare Advantage plan to another
  • Drop your Medicare Advantage plan and return to Original Medicare​

What is Medigap? Also called Medicare Supplement Insurance, is health insurance coverage provided by private companies designed to pay for costs not covered by Original Medicare. Depending on which plan you get, these costs might include copayments, coinsurance, and deductibles, as well as services Original Medicare doesn't cover, such as travel outside of the U.S.  Rx not included. 
Dental:  Some Medicare Plans have reimbursement of dental expenses.  If a dentist has opted out of Medicare, no benefit will be paid.
Trout Insurance Services
Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787
     
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Trout Insurance is a full line insurance agency based in WNC. We serve clients in North and South Carolina as well as national companies. Trout Insurance offers life, health, disability, Medicare supplement, Medicare Health Plans, Medicare Prescription Plans, Long term care insurance, Home and Auto insurance for individuals. For businesses we offer group health & benefits, commercial liability, property & worker's compensation as well as plans for business owners. 

Dave Trout, Jessica Cody, Jeremy Sheridan, and Robert Pugh are independent insurance agents with Trout Insurance.  Dave Trout specializes in life and disability insurance, Medicare supplement insurance, and commercial business insurance. Jessica Cody, specializes in individual health, personal home and auto, small commercial and Medicare.  Jeremy Sheridan specialize in Group Health and Employee Benefits, Commercial, Health, Life and Medicare.

"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."

  • Home
  • Alignment Medicare NC
  • Medicare Resources
    • FEMA Medicare SEP
    • Medicare - What Is Most Important To You
    • ANOC "Annual Notice of Change" Statement
    • Q & A from TIS & Alignment Medicare Seminar
    • New To Medicare
    • Medicare 2023 RX Plans
    • Medicare Advantage Plans 2023
    • Medicare Center Software
    • Medicare Supplement Premium Increase?
    • Fitness
    • Medicare FAQ's
    • BLOG
  • Enroll for 2023
  • Benefits
  • Our Agents
  • Contact