Akia Alexis, Medicare Insurance Broker

Answer: I would suggest having a trusted advisor that takes the time to educate you on your options. This is very important. Also, your health conditions and medications also play a big part in choosing the correct Medicare Advantage plan.

Answer: If you're referring to Original Medicare, the answer is No. Medicare Advantage Plans do provide an allowance for vision.

Answer: Not necessarily, you do want to be sure that drug is on the plan you currently have Formulary and if there is a drug deductible associated with the new medication.

Answer: Yes absolutely. Plans change every year and you want to be aware of those changes and be sure your plan is still suitable for your healthcare needs.

Answer: If they are knowledgeable but I suggest having a trusted advisor that can educate all of you that way you can make an informed decision on your health coverage. There is a lot of information and depending on your income you could possibly qualify for extra benefits.

Answer: You need to contact your local Social Security office and delay your Part B because you have creditable coverage.

Answer: Yes it does. Please be sure to always refer to the Medicare and You book for any questions or clarification. Also, be sure when you're speaking with an agent, all costs that's your responsibility is discussed. The deductible amount is set annually by CMS (Centers for Medicare & Medicaid).

Answer: Because of the Inflation Reduction Act, the donut hole has been eliminated. In 2025, once a beneficiary meets the annual out of pocket cap of $2,000 for covered drugs, catastrophic coverage begins and therefore there is a $0 cost for the remainder of the year. The drugs have to be covered though.

Answer: You have to always remember everyone's situation is different. What may work for your, may not work for you and vice versa. Also, it depends on what type of coverage you have which sounds like a Medigap plan. Certain plans are not available on all areas based on counties and/or states.

Answer: It's always best to do a plan review especially if there have been some health changes or even income changes.

Answer: Annual Enrollment Period is faster approaching October 15th- December 7th. Also, sometimes you can upgrade your plan based on individual circumstances. The goal is to have a trusted advocate that will provide you with the correct information and options so that you won't be put in a position to have to change.

Answer: Nothing is ever free. But honestly , it's an individual decision on whether to have a Medigap or Medicare Advantage Plan. You have some responsibility of costs either way.

Answer: You want to always be sure that you have a trusted advocate that takes time to understand your needs, verify doctor's, medications and educate on any plan that may be beneficial to you. Especially exposing the gaps and what your copays will be so there are no surprises. Medicare Advantage plans can be a benefit you may just need to have a thorough analysis and possibly other options that are available to you.

Answer: I'm assuming you're inquiring about Medicare Advantage plans. If so, yes, all plans are not the same in every state or some plans may not be available in certain states.

Answer: Honestly, it's about network and cost for Medicare Advantage. HMO plans restricts beneficiaries just stay within their network of providers. PPO plans you have a broader network but may have limited or no coverage which will cost more out of pocket. With a Medigap plan you can see any provider as long as they accept Original Medicare nationwide and no referrals needed. There is a plan premium associated with a Medigap plan. Each beneficiary has to make the best decision for themselves and their health.

Answer: The Birthday rule allows Medicare beneficiaries to switch their Medigap policies around their birthday each year without answering health questions. It doesn't require medical underwriting. The states with the birthday rule for 2025 are CA, OR, ID, IL, LA and NV.

Answer: I love that I'm able to educate beneficiaries about their options so they can make informed decisions about their healthcare needs.

Answer: Disability is just the money, not the Medicare benefits. Give me a call and I will be glad to assist you.