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Frequently Asked Questions
Complete our 3-step assessment to receive personalized estimated costs
Talk with a trusted Medicare agency (that meets our Standards of Excellence) for plan evaluation, guidance, and enrollment.
My Medicare Matters is designed to help you make informed choices about Medicare coverage. We provide educational information but do not sell Medicare coverage, manage plans, or administer payments and claims.
NCOA is a respected national leader and trusted partner to help people aged 60+ meet the challenges of aging. For nearly 70 years, we have made improving the lives of older adults our passion and our mission.
We created My Medicare Matters to make it easier for people with Medicare (and those turning 65) to make informed and confident choices about their health coverage and to make the most of that coverage.
You can get free professional counseling from one of our trusted Medicare agency partners that meet our rigorous Standards of Excellence. Simply complete our 3-step assessment and then opt-in to get started. Our agency partners' services are free to you. Our partners represent many different carriers and many different plans. They are paid directly by the carrier if you enroll in a plan and are not compensated based on the product you choose.
We also encourage you to contact your local State Health Insurance Assistance Program (SHIP) for free, unbiased, federally funded Medicare counseling from a trained staff member or volunteer.
Anyone who is currently receiving Medicare, or who is aging into Medicare can enroll in or switch to a different Medicare plan during open enrollment. This is a great opportunity for everyone on Medicare to evaluate their situation and make sure that they are enrolled in a plan that best meets their health, finances, and other personal considerations.
The National Council on Aging or the My Medicare Matters team will NEVER reach out to you by text, email, phone, or social media message to ask you for your personal information or money.
If you believe that you have been the victim of a scam that is targeting seniors, you can visit the National Adult Protective Services Association to learn how to report the scam and get help. You can also submit a complaint to the Federal Trade Commission (FTC).
Use NCOA's free online service to see if you're eligible for benefits to pay for food, medicine, rent, and other daily expenses. BenefitsCheckUp® screens for more than 2,500 public and private programs available to older adults.
If you lose your Medicare card, a new one can be requested either online or by telephone:
Request a replacement card on your account on mymedicare.gov or
Request a replacement card on your Social Security account, or
Call Social Security’s hotline at 1-800-772-1213 (TTY users, call 1-800-325-0778).
Social Security will mail a new card in about 30 days. If proof is needed sooner, let Social Security know and they can provide support until a replacement card is issued.
If you do not sign up for a Medicare Part D drug plan when you are first eligible for Medicare (and do not have other creditable coverage) you may have to pay a late enrollment penalty if you enroll later. Generally, an enrollment is considered late if you do not join within three months after first getting Medicare Part A or Part B.
More information on the penalty and how to avoid it is available in our article, Understanding the Medicare Late Enrollment Penalty.
Medicare Part B covers COVID-19 testing and the associated provider visit with no out-of-pocket costs. Medicare Part A covers all medically necessary hospitalizations related to COVID-19. Standard coverage rules and cost-sharing apply.
Medicare will also waive the three-day prior hospital stay before admittance to a skilled nursing facility during the COVID-19 emergency.
Part D covers prescription drugs used to treat COVID-19. If you have a Medicare Advantage plan, you have access to these same benefits. Medicare also covers COVID-19 antibody tests.
More information is available on Medicare.gov’s COVID-19 page.