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Category: Medicare Questions Answered

Plain-English answers to the Medicare questions people actually ask. All articlesState & County Guides

Can I switch Medicare plans, and when am I allowed to?

You can switch Medicare plans when the applicable rules allow it, but the timing and your ability to get a Supplement need separate checks.

What happens to Medicare if I move to another state?

Your Medicare can move with you, but your other coverage needs a closer look before you change your address or cancel anything.

Does Medicare cover dental, vision and hearing?

Original Medicare generally excludes routine dental care, routine exams for glasses and hearing aids. Learn how medical exceptions and extra benefits affect coverage.

How Long Should You Keep Your Medicare Explanation of Benefits?

How long you should hold onto Medicare EOBs and Summary Notices depends on whether a claim is closed, denied, or still under appeal.

Does Medicare Cover Dental, Vision, and Hearing Care?

Does Medicare Cover Dental, Vision, and Hearing Care?

Original Medicare covers almost no routine dental, vision, or hearing care — here’s what actually fills that gap, and what each option leaves you paying for.

What Happens to My Medicare Supplement If I Move to Another State?

Illustration of Medicare Supplement coverage moving from one state to another

A Medicare Supplement travels with you to any state, but the premium, the underwriting rules, and your guaranteed-issue window don’t always come along.

What States Have Medicare Give-Back Benefits?

Illustration showing that Medicare give-back benefits vary by plan and location

The give-back isn’t approved state by state — it’s a plan feature that changes county by county, and that fact should change how you shop for it.

What Do Star Ratings Mean for Medicare Drug Plans?

Illustration of Medicare drug plan star ratings and prescription comparison

A star rating grades a Medicare plan’s service and performance, not whether it covers your specific drugs — here’s how I actually use the number with clients.

Do You Need Hospital Indemnity Insurance With Medicare Advantage?

Do You Need Hospital Indemnity Insurance With Medicare Advantage?

Hospital indemnity can offset the per-day hospital and skilled nursing gaps in a Medicare Advantage plan — but only some plans actually have that gap to fill.

How Do You Qualify for Home Health Care Under Medicare?

How Do You Qualify for Home Health Care Under Medicare?

Medicare’s home health rules are narrower than people expect, and the real risk sits in the custodial-care gap those rules don’t touch at all.

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© 2026 Guardian Health & Wealth. All rights reserved. We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY: 1-877-486-2048, available 24/7), or your local State Health Insurance Program (SHIP) to get information on all of your options. Guardian Health & Wealth is an independent national Medicare insurance brokerage working with multiple carriers; the information we provide reflects only the plans available through us in your area. Guardian Health & Wealth is not connected with or endorsed by the United States government or the federal Medicare program, and is not affiliated with any government agency. Michael Smith is a licensed insurance agent; submitting a form or calling the number listed above will direct you to a licensed insurance agent. Enrollment in a plan may be limited to certain times unless you qualify for a Special Enrollment Period. Plan availability, benefits, and costs vary by county and are subject to change. This site provides general Medicare education and is not a complete description of benefits—contact the plan for more information.
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