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Medicare Open Enrollment Period (AEP): October 15 – December 7   |   Special Enrollment Period (SEP) Available Year-Round   |   Open Enrollment Period (OEP): January 1 – March 31
Klarion Quotes | Medicare FAQ

Frequently Asked Questions

Find clear answers to the most common questions about Medicare, enrollment, and benefits.

Your Medicare Questions Answered

What is Medicare?

Medicare is a federal health insurance program primarily for people 65 and older. It also covers certain younger individuals with disabilities or End-Stage Renal Disease (ESRD).

What are the different parts of Medicare?

  • Part A: Hospital Insurance
  • Part B: Medical Insurance
  • Part C: Medicare Advantage (private plans)
  • Part D: Prescription Drug Coverage
  • Medigap: Supplemental coverage to help with costs

When can I enroll?

Enrollment periods include:
  • Initial Enrollment: 7 months around your 65th birthday.
  • Annual Enrollment: October 15 – December 7.
  • Open Enrollment: January 1 – March 31 (Medicare Advantage only).
  • Special Enrollment: For qualifying life events.

Does Medicare cover dental, vision, and hearing?

Original Medicare does not cover routine dental, vision, or hearing services. Some Medicare Advantage plans may include these benefits.

What costs should I expect?

Costs depend on your plan. Medicare Part A is usually premium-free, Part B has a monthly premium, and additional plans (Advantage, Part D, Medigap) may include premiums, copays, and deductibles.

Where can I get help choosing a plan?

You can speak with licensed agents through Klarion Quotes, or visit Medicare.gov for complete plan information.

Still Have Questions?

Our licensed agents can provide free, personalized guidance with no obligation to enroll.

Talk to an Agent

Important Disclaimer

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Plans are insured or covered by a Medicare Advantage (HMO, PPO, PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan's contract renewal with Medicare. The standard Part B premium for [2026] is [$185.00]. Monthly savings vary, may not be immediate, and availability differs by carrier and location.

Currently, Klarion Quotes represents 4 organizations which offer 2 products in your area.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Every year, Medicare evaluates plans using a 5-Star rating system. Enrollment may be limited to specific times unless you qualify for a Special Enrollment Period.

Klarion Quotes is not affiliated with or endorsed by any state or government agency. To send a complaint to Medicare, call 1-800-MEDICARE. TTY users: 1-877-486-2048.

For assistance, contact Klarion Quotes at 904-809-0445 (TTY 711), Mon–Fri 9AM–6PM EST.

Klarion Quotes Contact

Contact Us

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Denver/Westminster, CO

904 809 0445

TTY: 711

Hours: Mon–Fri, 9AM–6PM EST

info@klarionquotes.com

Have Questions?

Our team is here to help you navigate your Medicare options. Whether you're new to Medicare or looking to switch plans, we can connect you with a licensed agent who can answer your questions.

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