Al Saponar, Medicare Insurance Broker

Answer: Yes, you can.

But, if you have a qualified Agent, such as myself, you won't need to. I represent 10 carriers and over 60 plans in 5 states.

No cost for my assistance.

Answer: If you have only Medicare A and B, you would pay 20%, Medicare would pay 80%.

If you have a Medicare Advantage plan it would have an outpatient surgery copay of 200-500 depending on the plan.

IF you also had a hospital indemnity plan along with Medicare Advantage, it would reimburse you 250-500 depending on the plan.

Answer: As long as it is done by a provider that accepts Medicare, plan G will cover it.

your provider can give you an estimate of how the coverage will work.

Answer: probably not. that is just speculation, and no one has a crystal ball.

Everyone will have a different opinion, but that doesn't mean its correct.

Answer: There is a huge value to working with a Licensed Agent, and having annual policy reviews with them!

Answer: If you are still working at 67, and have health insurance from your employer, you won't need part B, until when you retire, or when your coverage ends, or will end.

Answer: You can visit any doctor that accepts Medicare.

With a Medicare Advantage plan there will be copays for specialists.

Answer: Medicare part D covers prescriptions.

Either as a stand alone PDP plan, or included in a Medicare Advantage plan called a MAPD.

Answer: When you are my client, I compare plans based on your medications as well as pharmacy.

It is definitely one of the benefits of having a licensed Agent.

I have been helping clients since 2009.

No chargecfor my assistance.

Answer: Original Medicare does not cover dental, unless you have a separate dental plan.

many Medicare Advantage plans include dental. most do include preventive dental.

Answer: It should be.

Plan N has copays for Dr visits up to $20 and ER up to $50.

But, should cover an MRI, after Medicare pays first.

Answer: Yes.

It is recommended to have a hospital indemnity plan along with a Medicare Advantage plan.

There are several companies offering Hospital Indemnity plans that we have available.

Answer: A licensed Agent can help you compare multiple plans, and make recommendations based on your needs.

Answer: If you have Original Medicare, you should have a Medicare Supplement. and a part D Prescription plan.

Or a Medicare Advantage plan, with at least a Hospital Indemnity to help cover what the Medicare Advantage plan doesn't fully cover.

Answer: Yes.

Medicare carriers are required to send an Annual Notice of Change every year.

Usually by the end of September.

Answer: Many of my clients have gone with A Medicare Advantage plan along with a hospital indemnity plan to help fill in the gaps.

It can easily save over $100 a month vs a Medicare Supplement, which will go up every year as well.

Answer: In that case, you will be assessed a late enrollment penalty by CMS , which is 1% per month based on the national average PDP plan.

For every month since you became eligible for part D.

This is added to part D plan or MAPD premium every month.

Answer: You are still eligible to apply for Medicare part B when you turn 65.

Most likely, since you are already drawing social security, they will send your Medicare card about 90 days prior to the month you turn 65.

Then, a licensed Agent, such as myself, can assist you with Medicare Supplement, or Medicare Advantage plans, to help cover what Medicare does not fully cover. As well as Part D coverage as well for prescriptions.

Answer: Many people that travel a lot choose a Medigap plan. Medigap plans can be used with any provider that accepts Medicare.

Medicare Advantage plans are less expensive, but they all use a Network of providers, if it is a national carrier, they do have national networks. Urgent care and emergency coverage would be available nationwide, but other care would have to be from in network providers for the plan chosen.

Answer: That questions requires speculation.

As a Licensed Agent, we are not allowed to speculate.

We can only interpret the Medicare rules when they are in place.

We can look at new plans after October 1st, once they are released for the next year,

Answer: The "donut hole" ended in 2024.

It has been eliminated, and there is now an out of pocket maximum of 2000 per year, which previously was up to 8000.

There are various Prescription options now.

Answer: There are different types of Medicare plans, including Medicare Supplement plans, Prescription drug plans, Medicare Advantage plans, ancilliary plans to go with Medicare Advantage as well.

I can help compare the various options to find the best option for each of my clients, at no cost for my services.

Answer: it depends on your income or household income from 2 years ago.

it also depends if you are married or single

Answer: Many of the 2025 Medicare changes were implemented in January.

We were comparing plans for 2025 during the Annual Enrollment period for 2025.

If someone wants to compare plans or change plans now, it would be for 2026.

The Annual Enrollment period for 2026 is from October 15 to December 7th 2025 for a Jan 1, 2026 effective date.

Whether one changes or stays put depends on the medications, as well as the doctors.

There is no charge for my assistance.

Answer: you have 60 days after the move to apply for a new MAPD or PDP plan in the new state.

It is an SEP.

Answer: They should have a signed Medical Power of Attorney form .

It needs to be for each person that it applies to.

Answer: It depends on your part D plan, and what prescriptions you take.

There also is a new rule establishing a Medicare Prescription Payment Plan to help spread out the copays for prescriptions over the remaining months of the year. If needed, it can be a huge benefit for many Seniors.

Answer: First, I always check doctors, hospitals and prescriptions for my clients.

But, if something changed network wise, if its is still during open enrollment, we can make a change. If not, we can schedule a meeting for the upcoming Annual Enrollment period.

We also have ancillary plans available year round that can help cover what the Medicare Advantage doesn't fully cover.

Answer: Medicare Advantage plans require Medicare part A and part B for eligibility.

They use the part B premium funds to give clients a better plan, and more benefits than original Medicare itself.

Answer: As finding the right Medicare plan can be a daunting task for most Seniors, I find i rewarding to helping clear up the confusion for most of my clients.

Most of my clients are very satisfied with my assistance, and recommend me to others, as well as give five star reviews!