Frequently Asked Questions
Common Questions About Health Insurance & Medicare
Q: What’s the difference between Medicare Advantage and Medicare Supplement?
A: Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan, often including prescription, dental, and vision coverage. Medicare Supplement (Medigap) works with Original Medicare to cover what Medicare doesn’t—like copays and deductibles.
Q: When can I enroll in a Medicare Advantage plan?
A: The Annual Enrollment Period runs from October 15 – December 7 each year. You may also qualify for a Special Enrollment Period based on life changes (moving, losing coverage, turning 65, etc.).
Q: How do you get paid?
A: Our services are completely free to you. We’re compensated directly by insurance carriers—so you pay nothing extra.
Q: Can you help with non-Medicare plans?
A: Yes! We also help individuals, families, and small businesses find Marketplace or private health insurance options.
Contact Us
Let’s Make Health Insurance Simple.
Whether you’re new to Medicare, exploring new coverage, or just want a second opinion — we’re here to help.
Gray Owl Health Insurance Agency
NPN 22045667
Location
Serving Westchester County and all of New York State
Important Disclosure:
Gray Owl Health Insurance Agency is an independent licensed insurance agency. We do not offer every Medicare Advantage or Medicare Prescription Drug Plan available in your area. Currently we represent several organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to explore all of your options.
Not affiliated with or endorsed by the U.S. Government or the Federal Medicare Program. Plans available in your area may vary and not all plans are offered in every ZIP code.