Alecia McMath, Medicare Insurance Broker
Alecia McMath
Diversified
Medicare Broker Licensed in MS, AL, AR, CA, FL, GA, IL, IN, KS, KY, NC, NJ, NV, NY, OH, OK, PA, SC, TN, TX and VA
6+ Years of Experience
Contact Details
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Location
Belden, MS
About Me
I have been helping individuals and retirees navigate their insurance options since 2020. I offer no cost Guidance and support with personalized Health & Medicare options, Dental or Vision coverage, as well as Supplemental Health Insurance options to cover hospital costs, accident coverage, cancer and critical illness options. I can help you find coverage that fits your needs and budget. Have questions about Medicare or other options? I would love to help you.
Q&A with Alecia McMath
What are the different types of Special Needs Plans (SNPs) in Medicare?
Answer: Chronic care plans are called CSNPs, Dual Eligible Plans are called DSNPs and ISNPs are for institutional needs covering members in long-term care, nursing homes, assisted living or skilled nursing. These coordinate medical care for qualifying members.
Is it worth paying more for a Medicare Part D plan with better drug coverage?
Answer: Premiums for Part D plans are set by the carrier of the plans. Some lower premium Part D plans have high deductibles. Paying a higher premium for a Part D plan can sometimes be more beneficial for the member and cost saving if they are on higher Tier medications. Its worth reviewing plans with an agent to determine which is better based on your actual medications.
I don’t pay the $202 Medicare premium because of my SSDI income. Will I have to pay it when I turn 65?
Answer: SSDI is disability income, different from SS, which is social security income, usually drawn at age 65. Social Security handles both and can tell you what your transition is prior to your 65th birthday. To Qualify for any premium assistance requires income eligibility. I can help you determine if any Medicare subsidies or help for premiums are available for you at 65 or if eligible for Medicare prior to 65.
Does Medicare cover LASIK eye surgery?
Answer: For medically needed surgery only. Medicare does not cover elective or cosmetic procedures. Certain eye exams and conditions of the eye are covered by Medicare.
Can I collect Social Security benefits without signing up for Medicare?
Answer: Yes you can as long as you are still insured on employer Group coverage. Social Security will issue no premium part A at the start of your birthday month but you may delay Part B if still employed with credible prescription and group health coverage. Social Security can also discuss with you how much your check would be if delayed vs drawing ss at 65 when eligible.
What are the reasons why I should work with a Medicare agent?
Answer: So that you can understand How Medicare works and what is available to you. Understand your options and make the right healthcare decision to avoid penalties so you can make an informed decision.