Common questions
The questions people ask David most.
Getting startedWhen can I first sign up for Medicare?
Your Initial Enrollment Period is seven months long: the three months before the month you turn 65, your birthday month, and the three months after. Signing up in the months before your birthday month means coverage can start right away. Our enrollment date finder on the Helpful Tools page calculates your exact window.
Getting startedDo I have to sign up for Part B if I'm still working?
Not always. If you (or your spouse) have health coverage through current, active employment at a company with 20 or more employees, you can usually delay Part B without a penalty and sign up later during a Special Enrollment Period. Smaller employers and retiree or COBRA coverage work differently, so it's worth a quick conversation before you decide.
Getting startedWhat's the difference between Parts A, B, C, and D?
Part A is hospital insurance. Part B covers doctors, outpatient care, and preventive services. Part C is Medicare Advantage — private plans that bundle A and B (and usually D). Part D is prescription drug coverage. Together, A and B are called Original Medicare.
Choosing coverageMedicare Advantage or Medicare Supplement — which is better?
Neither is better for everyone. Advantage plans often have low or $0 premiums and extra benefits, but use networks and copays, with a yearly out-of-pocket maximum. Supplements cost more monthly but let you see any provider that accepts Medicare with very predictable costs. Our side-by-side comparison on the Helpful Tools page lays out the honest pros and cons.
Choosing coverageCan I switch from Medicare Advantage back to a Supplement later?
You can return to Original Medicare during Annual Enrollment or the Medicare Advantage Open Enrollment Period, but in Ohio, outside of your first Medigap open enrollment window or a guaranteed-issue situation, a Supplement company can ask health questions and may decline you. That's why the first choice matters.
Choosing coverageWhat does Medicare cost in 2026?
The standard Part B premium is $202.90 per month. The Part A hospital deductible is $1,736 per benefit period. Part D drug deductibles can't exceed $615, and out-of-pocket spending on covered drugs is capped at $2,100 for the year.
Enrollment datesWhen can I change my plan?
Most people change during Annual Enrollment, October 15 through December 7, with changes effective January 1. From January 1 through March 31, people already in a Medicare Advantage plan can switch plans or go back to Original Medicare once. Moving, losing other coverage, and other life events can open a Special Enrollment Period.
Enrollment datesWhat happens if I miss my enrollment window?
You may have to wait for the General Enrollment Period (January 1 – March 31) to sign up for Part B, and you could owe a lifelong late-enrollment penalty for Part B or Part D. If you think you've missed a window, call — there are sometimes exceptions.
Medicare & MedicaidWhat is a D-SNP?
A Dual Eligible Special Needs Plan is a Medicare Advantage plan designed for people who have both Medicare and Medicaid. In Ohio, the fully integrated version is called Next Generation MyCare, which covers Medicare, Medicaid, and long-term care in one plan.
Medicare & MedicaidCan I have Medicaid with one company and a Medicare plan with another?
Starting with 2027 plans, a company that offers both a D-SNP and an Ohio Medicaid plan in your area can only enroll new D-SNP members who also use its Medicaid plan. You may still choose Original Medicare or a regular Medicare Advantage plan, but you would give up the one-plan coordination of an integrated MyCare plan.
Medicare & MedicaidMy dual plan sent a letter saying it's ending. What do I do?
Don't panic. Read the letter for your deadline and whether you'll be moved automatically to another plan. If you have full Medicaid, you can join an integrated plan in any month using the integrated care special enrollment period. Bring the letter to David and he'll walk through your options.
Medicare & MedicaidCan people with Medicaid change plans more than once a year?
Yes. Since 2025, people with Medicaid or Extra Help can switch to Original Medicare with a standalone drug plan once per month, and full-benefit duals can enroll in an integrated dual plan once per month.
Working with DavidDoes it cost anything to work with United Medicare Club?
No. There's no fee to meet with David. Brokers are paid by the insurance companies, and plan prices are the same whether you enroll with a broker or directly.
Working with DavidDo you represent every plan?
No broker represents every plan. We represent many of the carriers in Ohio. For a full list of options, you can always contact Medicare.gov, 1-800-MEDICARE, or OSHIIP, Ohio's free counseling program.
Working with DavidCan we meet in person?
Yes. David meets at your local coffee shop by appointment — just call (234) 380-6282 — or you can schedule a phone appointment online. Anyone across Ohio is welcome.