Albert Smith, Medicare Insurance Broker
Albert Smith
Ma3 HealthCare Solutions
Medicare Broker Licensed in IL, FL, GA, IN, MI, MS, NC, SC and TX
Contact Details
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Location
Glenwood, IL
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About Me
Greetings! I'm Albert, 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 Albert Smith
What are the reasons why I should work with a Medicare agent?
Answer: We are trained and certified to give you accurate and timely Information. We provide the services you need when you need them.
Are Medicare Advantage plans really "free," or is that just clever marketing?
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.
I'm interested in nutrition counseling to help manage my diabetes. Will Medicare cover this as preventive care?
Answer: It will depend on your particular Medicare plan coverage. Please consult your Evidence of Coverage to determine the benefits available to you.
Aren't those Medicare seminars just sales pitches in disguise?
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.
I called to ask about a knee replacement and suddenly they said I need prior authorization. I thought my plan was supposed to be good-what's going on?
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.
I use a continuous glucose monitor for my diabetes that connects to my smartphone. Will Medicare cover this technology for someone with my condition?
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.
Can I enroll in Medicare if I've never paid into Social Security due to working overseas?
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.
What is the trap of Medicare Advantage plans?
Answer: There isn't a trap! You need to understand how to use it for your HealthCare needs.
I've been on my employer's health plan but am retiring soon. What should I consider when moving to Medicare?
Answer: You should consider your finances, present health, and relocation plans. Then you can just weigh your options.