The short answer: Original Medicare does not cover routine dental care — no cleanings, fillings, extractions, crowns, or dentures. It pays for dental work only when it is medically tied to a covered procedure, like jaw reconstruction after an injury or an exam required before a transplant. Real dental coverage comes from somewhere else: a…Read More
The short answer: Two identical Medigap policies with identical premiums today can cost very different amounts ten years from now — because companies price policies three different ways. Attained-age policies start cheaper and rise as you age; issue-age policies lock your entry age into the pricing; community-rated policies charge every adult the same base rate.…Read More
The short answer: High-deductible Plan G is regular Plan G with a bargain: a much lower monthly premium in exchange for you covering costs up to an annual deductible — $2,950 in 2026, and it moves most years — before the plan’s full coverage kicks in. Past the deductible, it protects exactly like standard Plan…Read More
The short answer: Medicare comes with real costs, but they are knowable. Part A has no monthly premium for most people; Part B has a monthly premium everyone pays, plus an annual deductible and an uncapped 20% of approved costs after it. Drug plans add their own premium, with annual out-of-pocket costs capped by law.…Read More
The short answer: Part D is Medicare’s prescription drug coverage, sold by private companies either as a standalone plan alongside Original Medicare or built into a Medicare Advantage plan. Every plan keeps a formulary — its list of covered drugs, sorted into price tiers — and plans treat the same prescription very differently. Since 2025,…Read More
The short answer: Medigap underwriting is the health review an insurance company can run when you apply for a supplement outside your protected windows. During your six-month open enrollment period — and in certain guaranteed-issue situations — no health questions are allowed. Outside those, in most states including Georgia, companies can ask about your health…Read More
The short answer: You apply for Medicare through Social Security — online at ssa.gov, by phone, or at a local office — and the online application typically takes under half an hour. If you are already receiving Social Security benefits at 65, Parts A and B start automatically and no application is needed. The application…Read More
The short answer: Medicare has three late-enrollment penalties, and the two that matter most never expire. Part B adds 10% to your premium for each full year you delayed without qualifying coverage — for life. Part D adds a monthly penalty for every month you went without creditable drug coverage — also for life. Both…Read More
The short answer: If you or your spouse are still working at 65 and covered by an employer plan, you can often delay parts of Medicare without penalty — but “often” is doing real work in that sentence. Whether the delay is safe depends on how many people the employer covers, whether the drug coverage…Read More
The short answer: These are the two ways to do Medicare, and they are structurally different. Medigap works alongside Original Medicare — any doctor who accepts Medicare, predictable costs, a monthly premium. Medicare Advantage replaces the delivery of your benefits with a private plan — usually a lower monthly cost, a network, copays as you…Read More
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Way Maker Insurance Group is not connected with or endorsed by the United States government or the federal Medicare program.
