Aimee Butler, Medicare Insurance Agent
Aimee Butler
Medicare Agent Licensed in OH
Contact Details
-
Location
Eastlake, OH
Aimee Can Help With:
About Me
Greetings! I'm Aimee, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Aimee Butler
Is it true that Medicare pays for dental implants?
Answer: No, Medicare does not pay for dental implants. Medicare also does not cover routine eye, dental or hearing. If you have a Medicare Advantage you can check your dental coverage, though most of those do not either. Or possibly purchase a stand alone dental plan, but check the coverage thoroughly, including waiting periods.
Does Medicare cover chiropractic appointments?
Answer: Yes, but the wording for covered chiropractic is very specific. It says: Limited to manual manipulation to correct a subluxation of the spine. The plans have them worded slightly different, but they all include this terminology.
What happens to my Medicare coverage when I turn 65 if I'm already on Medicare due to disability?
Answer: Your Medicare continues at age 65, but you get what they call, a 2nd Initial Election period. If you enrolled in an Advantage Plan and it is working well for you, you can keep that as well. In Ohio, if a client would like to join a Medicare Supplement, they cannot do so, until they are age 65. This 2nd Initial election period gives them the opportunity to do so, and add an Rx Plan.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: As an insurance agent for Medicare Health Plans, I never use the word "free". In NE Ohio, we do have a lot of $0 premium plans. Some people choose to say they are free, but they have a $0 monthly premium. You still have to pay for your Medicare Part B, and you will have copays or coinsurance on most services you use on your Advantage plans, like specialists, hospital stays, MRI, X-ray, etc. Most of the plans do include things like dental, vision, hearing, and your prescription drug plan.
I'm worried about the 'donut hole' in my Part D plan. How do I manage my medication costs once I enter it?
Answer: The donut hole is gone as of Jan 1, 2025. There is now a $2000 (for 2025) cap on the cost of medications. The monthly premium of the RX Plan does not count toward the $2000. Medications have to be listed on the plans formulary in order for them to count toward the cap. For example if you were filling 3 prescriptions listed on your formulary and 1 prescription you purchased through something like GoodRx, the GoodRx payment would not go toward the $2000 cap.
Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones?
Answer: Medicare Advantage Plans have a network of doctors. I always advise my clients to check or I help them check to see if their doctor(s) are in the network before they join an Advantage Plan. If your doctor is in the network then you can still see them.
I chose Original Medicare to keep my doctors, but now I'm drowning in bills. Should I have gone with Advantage instead?
Answer: Possibly! I would recommend sitting with an agent and reviewing your options. Look to see how the plan works and what your usage is. If you are just covered by Original Medicare, you are responsible for deductibles and the 20% coinsurance for Part B, as well as the deductible and copays for Part A. Medicare does not have a cap, so you will not have that stop-loss that you would have with an Advantage Plan.
I'm turning 65 next month and the amount of Medicare mail I'm getting is overwhelming. How do I sort through all this?
Answer: I would suggest finding a local agent who represents multiple insurance carriers. This way you can sit and discuss your needs and make sure you are getting a plan that fits what you need it to do. There should never be a fee to meet with an agent because we get paid by the carrier when we write a plan. There should never be pressure by the agent for you to enroll with them. If you are not comfortable with that person, find someone you like because this will be the person you will want to work with going forward as your needs change.
I changed my plan during Open Enrollment and now I can't see my regular specialist. Isn't this what the whole review period is supposed to prevent?
Answer: There are two enrollment periods to change plans Annual Enrollment Oct 15-Dec 7th and Open Enrollment Jan1-Mar 31 (this is a little more limited to what changes you can make but you can change from one Advantage to another Advantage Plan, in this time period) You said you can't see your regular specialist. I'm not sure what you mean by your regular specialist? Do you mean your primary or are you referring to a specialist you have been seeing for some time? Several things can happen: When you changed plans did you or an agent check the network to see if your Dr was in the new plan you were changing to? Advantage Plans have networks and Drs have to contract to be in them. Or, was your Dr in the network and now has left? If that is the case there really is no way to foresee that happening when you got on to the plan. The Annual Enrollment will be happening soon, so that will be your opportunity to look again.
I have Original Medicare, a Medigap Plan G, and a Part D plan, but I'm still facing high costs for my specialty medication. What options exist for someone in my situation?
Answer: For 2025 with the elimination of the dounut hole, the max you will pay for your medications is $2000 as long as your medication is covered on your current Part D Plan. You can try contacting the manufacturer of your medication to see if there is a grant or a program directly with them. You can also contact your doctor to see if they know of any programs for that medication. If your income meets the requirements you could apply for LIS through the Social Security Administration. You can also try a program called prescription hope.