Question 1

When Do I Have to Sign Up for Medicare?

Accepted Answer

You can start the Medicare enrollment process three months before the month you turn 65. At Eagles Life and Health Agency, we ask the real question — ‘Do you actually need to enroll at age 65?’ Every situation is unique. We’ll help you determine the best strategy for your timeline, income, and coverage needs.

Question 2

Still Working with Employer Coverage — Do I Have to Enroll?

Accepted Answer

It depends on how your employer health plan (or your spouse’s plan) is structured. Some employer plans allow you to delay Medicare enrollment without penalty, while others don’t. Our team will help you ask the right questions, review all costs and benefits, and make sure your transition to Medicare is seamless — with no surprise penalties.

Question 3

COBRA Plan — Do I Still Need Part B?

Accepted Answer

Yes. In most cases, you’ll need to enroll in Part B while on COBRA to ensure your benefits coordinate properly and to avoid future late-enrollment penalties. We’ll confirm your situation and timeline so your coverage stays uninterrupted.

Question 4

How Does Medicare Affect My HSA?

Accepted Answer

Once you’re eligible for Medicare Part A, you can no longer make contributions to an HSA. Our team will walk you through how this affects your tax strategy and help you decide when to stop contributions so you don’t trigger any IRS penalties.

Question 5

VA Prescriptions — Do I Need Part D?

Accepted Answer

If you’re actively enrolled in VA drug benefits, that coverage is considered creditable — meaning it meets Medicare’s minimum standards. Still, some clients choose to add Part D for extra flexibility when filling prescriptions outside VA pharmacies. We’ll help you evaluate your costs and options so you stay fully protected.

Question 6

How Does Eagles Ensure I’m on the Right Plan?

Accepted Answer

Upon enrollment — and every year after — we personally review your coverage to make sure it still fits your lifestyle, medical needs, and budget. Because networks, drug lists, and plan benefits change annually, we make it our job to keep you ahead of those changes. You’ll always know you’re covered, confident, and in control.

Our Core Medicare Carriers

Medicare FAQs