Q: What’s the difference between Medicare and Medicaid?
Medicare is a federal health insurance program for people age 65 or older and for those with certain disabilities or conditions, while Medicaid is a state-and-federal partnership for people with low incomes and limited resources, regardless of age. A person can be eligible for both Medicare and Medicaid, depending on their age, income, and disability status. The easy way to think about it is Medicare is healthcare, while Medicaid is like financial aid.
Q: Do I have to pay to work with Sarah?
A: No! Her services are always free to you. Sarah is compensated by the insurance companies — never by her clients — so you get expert guidance at no cost.
Q: What if I’m already on Medicare?
A: Sarah can help you review your plan annually during the open enrollment period or any time your needs change. She ensures you’re still in the best plan for your current health, prescription, and budget needs.
Q: What states can Sarah help with?
A: She’s licensed in Arizona, California, Colorado, Idaho, Maine, South Carolina, and Tennessee. Whether you’re new to Medicare or need a policy review, she’s ready to help.
Q: Can Sarah help with non-Medicare insurance?
A: Yes! Sarah also offers health, life, dental, vision, and supplemental insurance coverage to individuals and families, including Medicare plans.
Q: Do I need both Medicare Advantage and a Supplement?
A: No — you can only choose one. Sarah will walk you through the pros and cons of each so you can feel confident in your choice.
Q: When should I start planning for Medicare?
A: Ideally, you should start planning 3–6 months before your 65th birthday. This gives time to explore your options and enroll without missing deadlines or coverage gaps.
Q: Can I make changes to my Medicare plan after enrolling?
A: Yes! You can make changes during Medicare’s Annual Enrollment Period (Oct. 15–Dec. 7) or during Special Enrollment Periods if you qualify. Sarah can help you understand your window for adjustments.
Q: Can I make changes to my Health Insurance plan after enrolling?A:Yes! You can make changes during the Health Insurance Open Enrollment Period (Nov 1 2025 – Jan 15 2026) or during Special Enrollment Periods if you qualify.