Frequently Asked Questions about Medicare
Can I get my health care from any doctor, other health care provider, or hospital with Original Medicare?
In most cases, yes. You can go to any doctor, health care provider, hospital, or facility that is enrolled in Medicare and accepts new  Medicare patients.
Are prescriptions covered in Original Medicare?
With a few exceptions, most prescriptions aren’t covered in Original Medicare. You can add drug coverage by joining a Medicare drug plan (Part D).
Do I need to choose a primary care doctor if I have Original Medicare?
No, in Original Medicare you don’t need to choose a primary care doctor.
Do I have to get a referral to see a specialist if I have Original Medicare?
In most cases, no. In Original Medicare, you don’t need a referral, but the specialist must be enrolled in Medicare.
Should I get a supplemental policy?
You may already have employer or union coverage that may pay costs that Original Medicare doesn’t. If not, you may want to buy a Medicare Supplement Insurance (Medigap) policy.
I’m not satisfied with my medical care. What should I do?
The quality of care and services offered by plans and other health care providers can vary. Medicare has tools that rate the performance of many plans.
Am I covered if I travel outside of the United States?
Plans usually don’t cover care you get outside of the U.S. Some may cover emergency care.

You can make changes to your Medicare health or prescription drug coverage during Open Enrollment, each year from October 15–December 7. Any changes you make will take effect on January 1 of each year. If you kept your existing Medicare health plan or prescription drug plan and they made any cost or benefit changes these would also take effect on January 1 of each
year. Depending on your situation, there may be other times when you can change your Medicare health or prescription drug coverage.

Do you have other questions that aren’t covered here? Please contact me and I’ll be happy to
answer them.