FAQs

Ohio Senior Insurance

Have an insurance-related question? We have the answer. Check out these FAQs and give us a call today for more information!

  • I'm covered on my employer health plan, do I have to sign up for Medicare at age 65? 

    If you have health insurance through your current employer at age 65, you may delay enrolling in Medicare Part B without penalty, thanks to a Special Enrollment Period (SEP). Even so, many choose to pair employer coverage with life insurance in Lima, OH to ensure a broader safety net for retirement and unforeseen health costs.

  • I have both Medicare and Medicaid, do I need anything else? 

    If you have dual eligibility through Medicare and Medicaid, you may not need additional coverage. However, certain gaps may still exist, and Ohio Senior Insurance can help you explore supplemental plans or life insurance in Lima, OH to provide extra peace of mind and financial protection in case of unexpected medical or personal expenses. Contact our team to review your options.

  • Are all the Medicare supplement plans the same? 

    No, Medicare Supplement Plans (also known as Medigap) are not identical. While all help cover some out-of-pocket costs that Original Medicare (Parts A and B) doesn’t cover, they differ in coverage, premiums, and availability. For those considering comprehensive protection, combining Medigap coverage with life insurance in Lima, OH from Ohio Senior Insurance can provide added financial security for you and your loved ones.