Albert Smith, Medicare Insurance Broker

Answer: To answer your question, I need more information. Did your place of employment have a credible Health Insurance plan, and do you participate in it? If so, you should contact Social Security to sign up for Medicare Parts A, B. Next, you will have to decide whether to get a supplemental Plan with a Part D Plan, or a Medicare Advantage plan, or stay with Original Medicare. You can research and find what fits your needs, or call a licensed and Certified Medicare Broker for assistance.

Answer: You are missing the necessary information to pick the Best Medicare Plan for you. Everyone has different needs. A plan may suit one individual but not another. You need to determine your health concerns, medications, finances, and mobility.

Answer: I couldn't answer that question without gathering more information on your health.

After an evaluation, I could offer you HealthCare options.

Answer: No, IRMAA does not go away. You should notify Social Security so that they can reevaluate your income.

Answer: The Center for Medicare Services requires it, our government entity that establishes the rules for all sales of Medicare Part C and Part D plans. The Scope of Appointment(SOA) limits sales to the items you, as the client, agree to be educated on! NO, call centers use a telephonic agreement.

Answer: In my Opinion, Yes, if it is the only option available to you. Supplemental insurance is another option if you can afford the cost.

Answer: It can be considered secondary to Medicare, as it covers what original Medicare does NOT cover. Medicare covers 80 percent of your Part B costs, and Part A has copays.

Answer: You should consider your finances, present health, and relocation plans. Then you can just weigh your options.

Answer: There isn't a trap! You need to understand how to use it for your HealthCare needs.

Answer: Yes, you can. You must be 65+ or disabled for 24 months, and then you must pay a premium for parts A and B.

Answer: Yes, Medicare can cover continuous glucose monitors (CGMs) for people with type 2 diabetes who meet specific criteria. Coverage is available under Medicare Part B as durable medical equipment. To qualify, you must have a diagnosis of diabetes and either be taking insulin or have a history of problematic hypoglycemia (low blood sugar). Your doctor must also prescribe the monitor and confirm that you've received adequate training on its use.

Answer: Most plans require you to get a referral from your Primary Care doctor. Usually, a specialist is the physician doing the surgery and wants to get paid.

Answer: In my opinion, they are supposed to be informative. Most agents are there to help you understand the complexity of Medicare and to guide you to the plan the provides for your needs.

Answer: It will depend on your particular Medicare plan coverage. Please consult your Evidence of Coverage to determine the benefits available to you.

Answer: No, Medicare Advantage Plans are not free. You may have a zero premium plan, but copays and coinsurance are your responsibility. Your Part b Premium has to be paid to keep the coverage.

Answer: We are trained and certified to give you accurate and timely Information. We provide the services you need when you need them.