What if I have Medicare before turning age 65? - If you are under the age of 65 and have Original Medicare, you are eligible to enroll in a Medicare Advantage (Part C) and/or Prescription Drug Plan (Part D).  Your eligibility for a Medicare Supplement (Medigap) will depend upon the area in which you live.  As a rule of thumb, most Medicare Supplement plans in this instance are either not offered or too expensive to be a viable option.


What if I've been paying into the Railroad Retirement Board, not Social Security?- The Medicare program covers railroad workers just like workers under social security.  You have the same options, guidelines, and restrictions as those Medicare beneficiaries who have paid into Social Security.  Click here for more information.


What if I have End-Stage Renal Disease (ESRD)? - There is a national Medicare End Stage Renal Disease Program.  Click here for more information on Medicare and ESRD.


What if I have both Medicare and Medicaid? - Medicaid has different levels of benefit so knowing what your benefit level is will determine your need.  If you receive full-Medicaid, you shouldn't select any Medicare Supplement plan and may be better served with a Medicare Advantage SNP.


What if I have Medicare as well as Veterans Affairs Benefits (VA)?- Receiving any level of Veterans Benefits through the Department of Veterans Affairs (VA) does not impact your eligibility to select a Medicare Advantage, Prescription Drug Plan, or Medicare Supplement.  Depending on the manner in which you utilize those benefits should be considered in making your plan selection. 


What happens if I'm losing my Medicare Supplemental coverage? - In most cases, you cannot lose your Medicare Supplement (Medigap) coverage because it is a guaranteed renewable policy. This means your insurance company cannot drop your policy unless one of the following happens:

  • You stop paying your premiums
  • You weren't truthful on the policy application
  • The insurance company becomes bankrupt or insolvent

If you bought your policy before 1992, it might not be guaranteed renewable. This means the insurance company can refuse to renew the policy.  If this happens, have the right to buy another Medicare Supplement policy under a guaranteed issue.


Does my Supplement cover me outside the United States? - Medicare Supplemental Plans C, D, F, G, M, and N pay 80% of the billed charges for medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year; if emergency care begins during the first 60 days of your trip; and has a lifetime limit of $50,000.

Frequently asked questions

Gerczak Insurance Agency, Inc. | 901 A Regester Parkway Richmond VA 23226 US | +1.8774372925

"Your Personal Insurance Broker"