Amine Amraoui, Medicare Insurance Agent

Answer: There are Medicare advantage plans that will reimburse you a portion of your part B premium up to $185

Answer: You will only receive one, the highest one. If yours is higher, you keep yours, if his is higher, you lose yours and keep his

Answer: The reason it feels like it is, because its affordable, and provides many benefits.

Supplement plans have monthly premiums that can go up monthly, and you have no dental, vision, prescription benefits. They would have to be purchased separately. Original Medicare has deductibles, and 20% coinsurance, with no maximum out of pocket cap.

Answer: You do not, once you apply for Medicare part B, Medicare will require proof of employer coverage like a W-2, or letter from the employer, or insurance company.

Answer: No, once you enroll in a Medicare advantage plan, that will become your payor for your medical expenses. You will need to make that the doctor you are seeing is in network with your plan.

Answer: Medicare Supplement Insurance (Medigap) Plan G generally offers more comprehensive coverage with higher premiums, resulting in lower out-of-pocket costs, while Plan K has lower monthly premiums but requires cost-sharing until an annual out-of-pocket limit is reached.

Answer: Social security will notify you if IRMAA affects your premiums, or you can reach out to social security administration. The projected income thresholds are: single filers earning $109,001 to $137,000 and joint filers earning $218,001 to $274,000 will pay the first surcharge. Once your income changes, and it goes below that threshold, you can contact social security office to remove IRMAA with your most recent tax return.

Answer: There was a Facebook ad that I saw once, that promised a $3000 per month grocery card. Unfortunately it wasn't true a statement, it was an incentive to get clients to respond to that ad. If you see an ad that makes certain promises, you can compare plans on Medicare.gov to see if such a thing exists, or working with a knowledgeable broker who can verify the authenticity of that ad.

Answer: Sometimes calling it that can cause confusion, because if let's say you have employer coverage, sometimes your employer coverage is primary, and Medicare would be secondary. Usually Medicare supplement is referred to as Medigap, or Medicare supplement.

Answer: Medicare.gov is a great tool to compare plans and benefits, using a broker is always best, because you would receive unbiased information, and our expertise comes at no cost to you.

Answer: Prior to turning 65, you are paying taxes to fund Medicare part A. Once you are 65, and have worked 40 quarters, part A is free, and part B has a monthly premium of $185. There is a surcharge that the government charges if you are a high income earner called IRMA (income-related monthly adjustment amount). There are Medicare Advantage plans that will reimburse you the part B premium directly to your social security check. Hope this answers your question.

Answer: A licensed Medicare agent provides personalized guidance to help you make informed decisions about your healthcare coverage. Instead of spending hours comparing plans, I handle that for you — ensuring your doctors are in-network, your prescriptions are covered affordably, and that you don’t miss out on any extra benefits you qualify for.

Best of all, my services are completely free to you. Agents are paid by the insurance carriers, so you get professional assistance without any added cost.”