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Frequently Asked Questions


The time to sign up for Medicare is here, and you’ve realized how many questions you have. Don’t worry. You’re not alone. Thousands of people enroll in Medicare every year, and just like you, they often find themselves lost and unsure about which steps to take next, what parts they need, or how to even enroll in Medicare in the first place.

That’s why Delta Medicare Benefits Group exists. Every year, we help Medicare-eligible people understand their benefits, choose the right plans, and enroll. We know the system can be frustrating, ever-changing, and confusing! Our job is to help you choose the right plan, ensuring you’re covered on the insurance front. Our expert Medicare counselors have compiled this frequently-asked-questions page to help you answer any initial questions you may have. We’ve also written numerous blogs and filmed several videos on Medicare to serve as resources for you.

If you want to speak to a human, have more questions, or wish to enroll in Medicare, please give us a call at (901) 460-7220, or fill out our convenient online form, and we’ll reach back out to you to set up a free consultation.

What to expect during your free Medicare consultation with a Delta Medicare Benefits Group advisor depends on which of the below categories you fall into:

  1. First-time enrollees turning 65 – During your consultation, we explain how Medicare works, answering all of your initial questions and ensuring that you understand your healthcare benefits. Then we’ll enroll you in Parts A and B. It can be a complicated process, and we don’t want our clients to go through that, so we do the heavy lifting for you. After you’re enrolled, we’ll conduct a needs analysis. We’ll look at your medications, doctors, and budget to make a determination with you on what supplementation plan is best for your specific needs. As good as Medicare is, everyone needs a supplement. We help you determine what that supplement is, whether it’s a Medicare supplement plan or a Medicare Advantage plan.
  2. For people who have remained on their employer coverage – This consultation process is similar to the first-time callers. We’re going to explain how Medicare works, enroll you in your Part B coverage, and then conduct a needs assessment to determine the supplement that works best for your specific situation and budget.
  3. For existing Medicare beneficiaries who are unhappy with their plan or premiums – We will conduct the same needs analysis that we do with the other two types of clients to determine if you are getting the best plan on the market based on what you need. We have no allegiance with any insurance company; our true allegiance is with our clients, so our goal is to help you maximize your benefits to the fullest extent.

Note that we provide consultations over the phone and in person at our office located in the iBank building on Poplar Avenue. Our address is 5050 Poplar Ave Suite 1715, Memphis, TN 38157.

To set up your consultation with our expert Medicare advisors, call us at 901-460-7220 today.

To schedule a free consultation give us a call at 901-460-7220. You may also send us an email at or fill out our convenient and secure online form on our contact page here.

Please note that we will not send you unsolicited emails. We don’t like that stuff either.

You never pay Delta Medicare Benefits Group anything! Your payment goes directly to Medicare or your chosen insurance company. Delta Medicare Benefits Group is compensated by the insurance companies.

We provide free consultations to our clients where we will walk them through the Medicare enrollment process, answer questions about their plans, and ensure they are in the right plan based on their specific situation and budget.

Schedule your free, no-obligation Medicare consultation today by calling 901-460-7220.

Depending on your specific situation, enrolling in Medicare supplemental plans may be worth it, giving you more financial freedom, choice of doctors, lower out-of-pocket costs, a narrower gap in your coverage, etc. A Medicare consultant can review supplement options with you to decide what works best for you. Delta Benefits Group consultations are always free. Call us at (901) 460-7220 to talk to a Medicare insurance representative about your plan.

Medicare costs change from year to year. The numbers for 2022 have been confirmed and reported. Please read our 2022 cost update blog here for more information. For yearly Medicare updates, be sure to sign up for our email newsletter. 

Have you kept the same plan for years? Have you neglected to consult an expert advisor? You may be paying more than you need to be paying for your supplement. Watch this interview to learn more about Medicare supplement costs.

In most cases, Medicare Part D will cover your prescription drug costs. However, there are situations where Medicare Part A or B will cover your drug costs. If you’re not sure, give us a call.

If you have Medicare as well as another insurance provider, each type of coverage is called a “payer,” and they can work together, depending on your needs. Coordination of benefits rules will decide which payer pays first. Once the primary payer has paid, the rest of the bill will go to the secondary payer. Depending on the size of your group, the specifics will vary.

Medicare Advantage is also known as Medicare Part C. Learn more about Medicare Advantage or Part C here. Whether you should get Part C depends on your specific situation. If you believe you may need Part C, our Medicare consultants at Delta Benefits Group can walk you through your options for free.

If you missed your initial enrollment period (IEP), you will likely have to enroll during the Special Enrollment Period (SEP) or the General Enrollment Period (GEP). GEP starts January 1 and ends March 31. If you sign up during GEP, your coverage will kick in on July 1.

Missing initial enrollment may result in penalties.

Medicare annual enrollment starts October 15 and ends on December 7 every year. During this period, you can change your Medicare Advantage plan or supplemental coverage.

For more information on Annual Enrollment and how it may impact you, watch the news interview below. For the most recent Medicare updates, visit our blog.

Depending on the type of Medigap coverage you need, Medicare supplement plan costs will vary. The supplement cost will range, depending on the plan you choose, your age, and the region in which you live. To get the best supplemental coverage for the best price, talk to one of our Medicare counselors today at (901) 460-7220.

In 2022, the standard Part B premium is $170.10. If you receive benefits from Social Security, Railroad Retirement Board, or Office of Personnel Management, your Part B premium will be deducted from your benefits. If you do not receive these benefits, your premium costs will be sent to you in a bill. While most people will pay the monthly premium for Part B, you may have a higher premium based on your income. See chart below. For more information about Part B, click here to read our in-depth blog.

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If you or your spouse paid Medicare taxes for a specific period of time while working, you won’t pay for Medicare Part A. This is sometimes referred to as “Premium-Free Part A,” and most people do get this.

If you are not eligible for Premium-Free Part A, you can purchase it. Depending on how long you or your spouse paid Medicare taxes, you will pay $274 or $499 per month for year 2022. If you decide not to enroll in Part A, you can still enroll in Part B. For more information on the cost of Part A and qualifications of Premium-Free Part A, call us at (901) 460-7220 to speak to a Medicare representative about your specific situation. See our blog for more details on Part A cost.

Medicare Part A is known as “hospital insurance.” In general, Part A covers the following:

  • Hospital stays

  • Skilled nursing facilities

  • Nursing home care* (in-patient care in a skilled nursing facility that is not categorized as custodial or long-term care)

  • Hospice

  • Home health care

If you have questions about whether or not a specific service is covered through Medicare Part A, ask your doctor, healthcare provider, or our Medicare experts at Delta Benefits Group. For more information on Part A, check out our blog.

Original Medicare (Part A and B) does not cover the cost of assisted living or most types of long-term care, including Alzheimer’s or dementia care. However, some Medicare Advantage plans may help cover assisted living costs. Additionally, Medicare Advantage may offer other long-term care options under certain circumstances. Talk to a professional to discuss your long-term care options.

There is a 7-month period, called the Initial Enrollment Period (IEP), when you can enroll in Medicare. This begins 3 months before the month of your 65th birthday, includes your birth month, and continues for 3 months following the month of your 65th birthday. Coverage will begin on the first day of the month you turn 65 years old. If you were born on the first day of the month, your coverage will begin on the first day of the month before your birth month.

There may be some special circumstances, including disability which allows 24 months for sign up. Your Medicare representative can help with these explanations.

While some people will automatically begin receiving benefits from Medicare Part A and B via Social Security, others will need to sign up for Medicare manually. If you are 65, or will be in three months, and not receiving Social Security, you will need to sign up for Part A and B benefits.

Additional Medicare benefits outside of Part A and B will need to be signed up for manually, as well. You can do this by contacting Delta Benefits Group at (901) 460-7220. A real human will walk you through your Medicare options, find a plan that works best for you and your budget, and get you enrolled in Medicare.

Here are some facts to be aware of concerning Medicare enrollment:

  • Some people will receive Medicare Part A and B automatically, but some people will not. You may need to actually sign up to begin your enrollment.

  • There are specific periods within the year when you can sign up or change your Medicare Advantage benefits (annual enrollment begins October 15 and ends December 7).

  • Sign up for Medicare Part B when you first become eligible to avoid any penalties

  • You can design your own Medicare coverage based on what works best for you, your health, and your budget; a medicare consultant near you can help you do this for free.

  • You may be eligible to get support with Medicare costs. Call Delta Benefits Group to see if you qualify.

Our expert medicare representatives can help you sign up for benefits if you’re eligible today. We can also set a date to help you enroll in Medicare for when you are eligible. Call us to set an appointment.

Medicare Part D plans have a gap in coverage referred to as the “donut hole.” Not everyone will enter the donut hole, but, if your total drug costs reach a certain limit, you may. The limit includes what you and Medicare pay for your total drug cost. In 2021, that limit is set at $4,130. When you reach this mark, thereafter, you will be responsible for paying a percentage of your drug costs.

For more about the Medicare donut hole, 2021 updates, and how to get out of this phase, give us a call at (901) 460-7220. Additionally, read our blog on the Donut Hole here.

No, Delta Benefits Group is not an insurance provider. We are Medicare consulting specialists in Memphis, licensed across the United States, that connect our clients with the right insurance providers based on their needs and budget. We have access to all insurance providers, giving us the ability to ensure you get the best plans for the best prices every year. Do you need help finding the right insurance provider? Give us a call at (901) 460-7220 to talk to an actual person, not a machine.

Medicare Part A is also known as “hospital insurance” and covers anything regarding in-patient hospital care, including hospital stays, surgery, skilled nursing facilities, hospice care, lab tests, and home health care. Do you have more questions about Part A? See our detailed blog post here.

Medicare Part B, also known as “medical insurance,” covers three types of services:


  • Medically Necessary Out-Patient Services – A service will be determined as “medically necessary” if it is needed to effectively diagnose and treat a health condition. Some medically necessary services include doctor office visits

  • Durable Medical Equipment – This includes wheelchairs, crutches, home hospital beds, diabetic supplies, etc.

  • Preventive Services – Services that help prevent illnesses, like the flu, or detect illnesses at earlier stages, when treatment is most likely to be more effective.

Part B includes medical services, like doctors’ services, outpatient care, occupational therapy, etc. Learn more about Part B coverage by clicking here.

Medicare Part C is also known as “Medicare Advantage” and is offered by private, Medicare-approved insurance companies. A Medicare Advantage plan offers you the benefits covered by Part A and Part B, plus more, depending on your insurance needs. You may also have extra coverage outside of Parts A and B, including vision, hearing, dental, etc.

In most cases, Medicare Advantage plans have a zero premium. While Medicare-approved insurance companies must adhere to rules established by Medicare, certain out-of-pocket costs and rules may fluctuate depending on the insurance company you choose. Rules and costs can change from year to year. We at Delta Benefits Group ensure that our clients get the best coverage that works for them every year. For more information on Part C, click here.

Medicare Part D covers most outpatient prescription drugs. Private companies, approved by Medicare, offer Part D as a standalone plan, for members signed up for original Medicare, or as benefits included in your Medicare Advantage plan.

Every Part D plan will have a list of drugs, including most in-office vaccines not within Part B, covered under its benefits called a formulary. Learn more about Medicare Part D by clicking here.

Delta Benefits Group helps people nationwide secure Medicare benefits. Whether you’re searching for a Medicare representative in Memphis, TN, or Dallas, Tx, or anywhere in the country, we can help you. As Medicare counselors, our services are always free.

Our Medicare services are free to you. We’re here to help you understand the ins and outs of Medicare and set up the best plan for you. There is never a charge for our services – the insurance companies pay us. Ready to get your Medicare questions answered or complete your enrollment? Call us now at (901) 460-7220. We’ve got real, live people ready to help you!

Bobby Jones

Owner & Licensed Agent

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Bobby Jones

Owner & Licensed Agent

By clicking “Next”, you agree to our Terms of Service and Privacy Policy. You also elect to receive updates, newsletters, and offers from Delta Medicare Benefits Group.