Frequently Asked Questions

Our experienced insurance agents in Zanesville, OH can answer your questions like “How do I enroll in Medicare,” “What is Medicare Part A and Part B,” and more. Read below for some commonly asked questions about Medicare.

If you already have Medicare Part A and wish to sign up for Medicare Part B, print the following two forms and take or mail them to your local Social Security office. You can also call Social Security’s toll-free number 1-800-772-1213 (TTY 1-800-325-0778). or contact your local social security office from the link given above.

If you are already enrolled in Medicare Part A and have chosen to delay enrollment in Medicare Part B, you must complete the additional forms (listed below).

  • Link 40B form: This allows you to apply for enrollment into Medicare Part B only. The 40B form must be included in your online application or mailed directly to the Social Security office.
  • Link L564 form: Your employer must complete this form if you delayed Medicare Part B due to creditable group coverage through said employer. You must also include the completed L564 form in your online application, or mail it directly to the Social Security office

Medicare Part A

Part A monthly premium
Most people don’t pay a Part A premium because they paid Medicare taxes while working.

If you don’t get premium-free Part A, you pay up to $505 each month.
If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn
65), you might pay a penalty.

Hospital stay
In 2024, you pay

  • $1,632 deductible per benefit period
  • $0 for the first 60 days of each benefit period
  • $408 per day for days 61–90 of each benefit period
  • $816 per “lifetime reserve day” after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)


Skilled Nursing Facility stay
In 2024, you pay

  • $0 for the first 20 days of each benefit period
  • $204 per day for days 21–100 of each benefit period
  • All costs for each day after day 100 of the benefit period


Medicare Part B

Part B monthly premium
Most people pay the standard Part B monthly premium amount ($174.70 in 2024).
Social Security will tell you the exact amount you’ll pay for Part B in 2024.

You pay the standard premium amount if:

  • You enroll in Part B for the first time this year.
  • You don’t get Social Security benefits.
  • You’re directly billed for your Part B premiums.
  • You have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $174.70 in 2024.)


Part B premiums also can be higher if you don’t enroll when you’re first eligible.

As with Part A, you will pay an annual deductible for Part B which is $233 for 2022. Some covered services require that you pay a percentage of the charges or a co-payment amount approved by Medicare.

If you are already receiving Social Security benefits, payment for your Part B coverage is deducted directly from your Social Security checks. If you’re not yet collecting benefits, Social Security will send you a quarterly bill.

In most cases, if you don’t sign up for Medicare when you’re first eligible, you may have to pay a higher monthly premium.

More information on Medicare late enrollment penalties:

Click the link below to check each test and time periods associated

Medicare Preventive Test link

If your Medicare card is lost, stolen or damaged, you can request a replacement Medicare card through the Social Security Administration in the following ways:

  • Online at
  • By phone at 1-800-772-1213 (TTY users, dial 1-800-325-0778), Monday through Friday, from 7AM to 7PM.
  • In person at your local Social Security office.

Your new red, white, and blue card will be mailed to the address that Social Security has on file for you within 30 days. If you have moved and have not reported this information to Social Security, you will need to report your address change before they can process your request for a replacement card.

Original Medicare, Part A and Part B, does not cover the shingles vaccination. To get this covered, you must enroll in a stand-alone Medicare Prescription Drug Plan (PDP).

Medicare Prescription Drug Plans provide prescription drug coverage generally cover all commercially available vaccinations. These plans may cover the vaccination medication and the administration of the shot by your doctor or physician. Depending on your plan benefits, you may have to pay a co payment or coinsurance amount. Make sure to follow your plan’s guidelines for this vaccination to be covered.

Medicare Part B (Medical Insurance) normally covers one flu shot per flu season for all Medicare Part B participants. As long as the doctor or other qualified health care provider accepts assignment for giving the shot, under Original Medicare you pay nothing. More information pertaining to this can be found at the following link:

Medicare Part B (Medical Insurance) covers a pneumococcal shot to prevent pneumococcal infections (like certain types of pneumonia) to all Medicare Part B participants and also covers a different second shot one year later. As long as the doctor or other qualified health care provider accepts assignment for giving the shot, under Original Medicare you pay nothing. Talk with your doctor or other health care provider to see if you need these shots.