Frequently Asked Medicare Questions
Plain-English answers to the questions we hear most from Tennesseans approaching or already on Medicare.
Common Questions
Questions we get
Your Initial Enrollment Period (IEP) is a 7-month window starting 3 months before you turn 65. The Annual Enrollment Period (AEP) runs Oct 15 – Dec 7. The MA Open Enrollment runs Jan 1 – Mar 31. Special Enrollment Periods apply for qualifying life events.
Medicare Advantage replaces Original Medicare with an all-in-one plan. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs with freedom to see any Medicare-accepting doctor nationwide.
Many plans have $0 monthly premiums (you still pay Part B). Some include dental, vision, hearing, SilverSneakers, and OTC allowances. We compare every plan in your zip code — free.
Never. We're compensated by carriers, not by you. Unbiased guidance across all 8 carriers — always free.
With Medigap: yes — any Medicare-accepting doctor, nationwide. With Medicare Advantage: typically in-network only. We verify your doctors and prescriptions before recommending a plan.
Permanent penalties. Part B: 10% surcharge per 12 months delayed. Part D: 1% per month without creditable coverage. Use our penalty calculators.
IRMAA is a surcharge on Part B and Part D for higher-income beneficiaries. In 2026, it applies above $109,000 (individual) or $218,000 (joint). See the full table.
A specialist in aging. Darin completed his program at USC's Davis School of Gerontology — the only university with a standalone gerontology program. He anticipates how healthcare needs evolve and plans accordingly.
Plan G: covers nearly everything after $283 deductible. Plan N: lower premiums, small copays. See our full comparison.
Yes. Darin is licensed statewide and we work with people across all 95 Tennessee counties and all three Grand Divisions — West, Middle and East Tennessee. See our areas we serve.
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Turning 65, switching plans, or want better coverage — we're here. Free. Unbiased. Expert.
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Written and reviewed by Darin Weidauer — licensed Tennessee insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and U.S. Air Force veteran. Independent and appointed with 8 Tennessee carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.