Aaron Solomon, Medicare Insurance Broker

Answer: Hi there! You wanted to know about the difference between a Medicare Advantage plan and a Medicare Supplement (Medigap) plan. The difference is that with a Medicare Advantage plan, you pay as you go for the services you use. With the Supplement (Medigap) plan, you pay a monthly premium, and except for the deductible in Plan G, you're basically covered for everything.

The Medicare Advantage plan offers dental, vision, hearing, and extras, while the Supplement plan doesn't include those benefits. If you want dental, vision, or hearing coverage, you have to get separate plans for that. The way I tell people to look at this is to consider what is most comfortable for you; that is the right choice.

Another thing is that with a Supplement plan, you can travel in the United States and go to any hospital that accepts Medicare. With the managed plans, there are only certain plans that provide out-of-state or out-of-network medical coverage, and those are United Healthcare and Humana, specifically from the state of Ohio. I do not know what other states have. If you have any questions, please call. Otherwise, have a great day!

Answer: Medicare IRMAA are based on your income history. They are usually 12-24 months behind in adjusting your income to figure your tax rate. You probably try to dollar cost averaging of your income. Personally, if you owe the money pay your Part B tax

Answer: You can do comparison of the plans in your market. You can determine the difference in cost of services. Remember the most important things are your doctors are in the network. Your drugs are in the formulary.

Answer: You can change your level of Medicare plan . An example would be switching from plan F to plan G. There is a rate difference. Please remember you must answer health questions.

This could effect your rate

Answer: No!!!! Medicare must take you as is. On a supplement, if it is not the initial enrollment , you must answer health questions. They have the right to charge you a higher premium charge.

Answer: The Reduction act saved drug users who. Spend over $2000 on prescriptions. The savings helps people who use high cost drugs a lot of money. However, this benefit really helps only 10%~ 20%. Of all Medicare clients. The benefits offered by the MAPD plans have reduced extra benefits to cover the extra drug costs they must pay.

Answer: Medicare is health insurance. It is no different than your employer’s health insurance. When you get a MAPD plan it provides extra benefits. Your typical Medicare plan has a cost value of about $12000 per year. It is paid. For by your Part B charge and Medicare tax.

If you want it for free, you will need to get crease your personal taxes.

Answer: Medicare provides traditional health services. MAPD plans offer services about nutrition, diabetes and other areas.

Answer: There are 2 ways. You can work with an agent. He can look up all your drugs. He can look at each companies formulary. The second option is to look it up on the Medicare site

Answer: When you turn 65, sign up for Medicare Part A. There is no cost This works if you have other insurance through an employer

Answer: The Wellness visit covers all Medicare preventive services plus a huge amnount of screening for things like cancer,diabetes, prostate, heart and routine physical exam.

Answer: You should see if your quality for help from your state. The program is called LIS. It is based on your income.

Answer: MEdicare covers traditional medical procedures. Your Supplement or MAPD plan will cover

diagnostic tools. It's the person doing the testing to see if AI technology is covered.

Answer: I would say that Medicare covers traditional medical care. I do know that any Supplement or MAPD will cover most or all blood tests

Answer: Medicare is bout traditional heqlth solutions. They do not cover alternative treatments. You may find some MAPD covering some alterative treatments.

Answer: Your traditional Medicafre part A & B does not cover transportantion. If you have a MAPD plan

you will have coverage . You will pay a co=pay.

Answer: Medicare has a cap of $2000 for your annual drug costs. It limit works on drugs in the formulary. Non formulary drugs do not count to your cap.

It is important to check your drugs annually on the formulary. Your drug plan can be changed annually during the Annual Enrollment period.

Answer: Tranditional Medicare (Part A & Part B) does not cover Dental, Hearing and Vision.

A If you want to have these beenfits, A supplement plan does not included dental, hearing, vision.

You would have to purchase a separate plan.

The easliest way to get Dental, Hearing and vision is to have a MAPD.

These benfits are some the extra benefits in an MAPD plan.

Answer: If I am talking to my parents, I know they life situation. I know if the are working or retired.

If they are during 65, I think we should have a meeting about Medicare and taking social security.

I will listen to them. I will add infomation to help their decsion making. I will accept their decision,

Answer: Most plans will cover Emergency and Urgent care world wide. There are co-pays . There are limitations on coverage depending on your plan

Answer: I feel that working with me in person does the following things:

You get a person to answer your questions. I will take the time to explain each plan.

We work together to bring your information to the right solution for you.

I will help you take advantage of extra benefits. I will help you find your network vendors.

I am there to answer any questions, Finally, /i will be in contact multiply times during thre

year to see if yiu need any help. I will review your plan during AEP. We will discuss if your

plan is this the right one for you.

Answer: I ask a couple questions, What do you know about Medicare, I have information to explain how it works. If they are planning on sign up for Social Security/Medicare ,I have a worksheet with a "How To'. A have a booklet on how Medicare works. I will sit down with my client.. We will discuss Medicare,

Answer: Medicare plans are standardize. Every plan is identical. The difference is that each company determines their price, It makes sense to go to the lowest price option for coverage.

Answer: A client sometimes worries more about the extra benefits, The most important things are

your doctors in network, hospital in network, and the drug formulary. These items are the most important details to a great plan for you,

Answer: Part b covers the following:

Doctor visits

outpatient lab test

outpatient services and surgeries

Peventive Health appointments

Certain durable medical equipment

Answer: It is important to make to sign up immediately for Part A. Part A is free. If you fail to sign up for

Part A, there is a penalty. You have 90 days from your birthday. If you are retiring , you can sign up for both Part A and Part B.

Answer: I tell clients that there is nothing "free" in life. When you are thinking about either a Supplement or a MAPD plan, chose the plan you are most comfortable for you. There is no wrong answer. The plan should make you feel confortable about your health cover.

Answer: IF you decide to start your Social Security benefits. You will want to sign up for Part A (hospital)

and Medicare Insurance (Part B}. You can sign up3 months before your birthday or 3 months after her birthday,