Name: Medicare Reviews plan comparison
Brand: Medicare Reviews

Question 1

What is IRMAA, and why did my premium suddenly jump?

Accepted Answer

IRMAA is an income-related monthly adjustment amount. Higher reported income from two years prior can raise Part B and Part D premiums. A life-changing event—retirement, marriage, divorce, or loss of income—may qualify you to request a reduction with Social Security Form SSA-44.

Question 2

What is Medicare Advantage?

Accepted Answer

An all-in-one alternative to Original Medicare from private insurers. Plans often include hospital and medical coverage and may add drugs, dental, vision, or fitness benefits—usually with network rules and prior authorization.

Question 3

Can I have Medigap and Medicare Advantage at the same time?

Accepted Answer

No. Medigap only works with Original Medicare (Parts A and B). If you join a Medicare Advantage plan, you generally cannot use a Medigap policy alongside it.

Question 4

What is the Part D late-enrollment penalty—and does it ever go away?

Accepted Answer

If you go 63 or more days without creditable drug coverage after your Initial Enrollment Period, Medicare can add a permanent surcharge to your Part D premium for as long as you have Part D.

Question 5

How do Special Enrollment Periods differ from the Annual Enrollment Period?

Accepted Answer

AEP (Oct. 15–Dec. 7) lets most people change Advantage or Part D plans for Jan. 1. SEPs are triggered by life events such as moving or losing coverage.

Question 6

What is the skilled nursing “3-day rule”?

Accepted Answer

Original Medicare typically requires a medically necessary inpatient hospital stay of at least three consecutive days before covering a skilled nursing facility stay. Observation status does not count.

Question 7

What are Medicare Supplements?

Accepted Answer

Medigap policies help cover Original Medicare deductibles, coinsurance, and copayments. They work alongside Original Medicare and use standardized plan letters in most states.

Question 8

What is Medicare Part D?

Accepted Answer

Optional prescription drug coverage available as a standalone plan with Original Medicare or through many Medicare Advantage plans that include drug benefits.

Question 9

How do I find a 5-star plan?

Accepted Answer

On Medicare Reviews, enter your ZIP on the homepage to compare plans near you—star ratings, premiums, and benefits—then confirm doctors and medications before enrolling.

Question 10

What is the Sponsored Advertising Engagement Wallet?

Accepted Answer

The Sponsored Advertising Engagement Wallet on Medicare Reviews tracks credits from labeled sponsored ads such as coupons, real estate, and finance offers. Use Connect Wallet to activate and review payouts. Brought to you by Centuries Mutual.