What to Ask Your Agent About Medicare (Before It’s Too Late)

Because peace of mind shouldn’t come with a deadline.

If you’re approaching 65, you’ve probably started getting all the mailers. You know the ones—thick booklets, flashy postcards, fine print promising “zero dollars” for this or that. It’s overwhelming, and half of it feels like it’s written in another language.

 

But here’s what no one tells you: choosing a Medicare plan doesn’t have to be scary or confusing—if you know what to ask. At IBA, we’ve walked hundreds of people through this transition, and we’ve seen the difference asking the right questions can make.

 Here are a few we think everyone should bring to the table:

✅ 1. When exactly do I need to enroll?

You might be surprised how early you need to start. Missing the initial enrollment window can mean late penalties or delayed coverage, especially if you’re retiring at 65 and losing employer coverage.

✅ 2. What’s the difference between Medicare Advantage and Medicare Supplement?

This is where most people get tripped up. Medicare Advantage plans (Part C) often include extras like dental or vision, but they may limit provider choice. Medicare Supplements (Medigap) help fill in the financial gaps Original Medicare doesn’t cover. Which works better for your health and budget? That depends on your lifestyle—and we’ll help you figure it out.

✅ 3. Will all of my doctors still be covered?

Don’t assume! Some Medicare Advantage plans have networks. If keeping your doctor matters, we’ll make sure your plan aligns with your care team.

✅ 4. What out-of-pocket costs will I still have?

Yes, even with Medicare, there are deductibles, copays, and coinsurance. Asking now means no sticker shock later.

✅ 5. Do I need prescription drug coverage?

Even if you don’t take medication today, skipping a Part D plan can cost you in penalties later. It’s worth planning ahead.

 

🧠 IBA Insight:

We always say: “You’re not just picking a plan. You’re building a foundation for the next chapter of your life.” And we’re here to make sure that foundation is solid and you are well prepared.

Got questions? We’re here for them. Whether you’re a year out or already enrolled, it’s never too early - or too late - to get clarity.

Have more questions? We’d love to hear them—because your peace of mind is our job.

📞 Call us today at (217) 906-4200 or schedule a free consultation to start planning for your Medicare coverage.