Frequently Asked Questions

Which is better: Medicare Advantage or Medicare Supplement?

It depends on your needs, preferences, and what options are available to you. Neither is absolutely the better choice for everyone. I can help you figure out what is suitable for you.

What does 2nd Cycle Health Insurance Services specialize in?

2nd Cycle specializes in Medicare information: from who is eligible, what benefits are covered, to what options suit your needs.

How to choose a Medicare Part D plan?

It depends on your medications. Many people look only at the premium, but what if the lowest premium plan doesn't cover your drugs? I can help you find Medicare Part D plans that cover your drugs with cost estimates.

Do I need to enroll in Medicare?

When you turn 65 and don't have employer health coverage, Medicare might be your best option for health insurance. If you applied for Social Security benefits before you turned 65, you are automatically enrolled in Medicare. If you have not applied for Social Security benefits, you need to enroll in Medicare with Social Security.

Are you licensed?

Yes, Elaine Wong Eakin is a licensed health agent and completed the AHIP Medicare Certification. CA License #4080713, LA License #962639, NM License #19685119, VA License #1355007.

Can I have both Medicare and Medicaid?

Yes, you can have Medicare and Medicaid if you qualify for both programs.

Isn't Medicare automatic when I turn 65?

Yes and no. "Yes" if you applied for Social Security benefits before you turn 65. "No" if you have not applied for Social Security benefits.

Doesn't Medicare cover nursing homes?

The answer is "no" if you mean staying in a nursing home for custodial care.  The answer is "yes" if you are admitted into a skilled nursing facility following an inpatient hospital stay. In the latter situation, Medicare covers 100 days: no copayment the first 20 days and with a daily copayment starting the 21st day.

What is the difference between Medicaid and Medi-Cal?

Medi-Cal is the name of the Medicaid program in California.

Must I enroll in Medicare Part D?

Enrolling in a Medicare Part D plan is voluntary. If you are eligible for Medicare Part A or Part B and you don't enroll in a Part D plan, you may have to pay a penalty if you enroll in a Part D plan later. You don't have to pay the penalty if you have creditable prescription drug coverage, e.g. VA health benefits or Tricare.

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