Andre Cabral, Medicare Insurance Agent

Answer: You should always ask beforehand "who will make medical decisions as to what is necessary to me: my Doctor or the insurance company?"

Answer: A: If your doctors are in the network of your new plan, you just keep them seamlessly. Depending on your new plan, you still can see them and pay a higher co-pay as an out-of-network doctor.

Answer: A: Not having asked for a licensed agent's help, facing such a complex maze by themselves, without proper education, considering the great importance of that step.

Answer: A: Most carriers offer their own app, which comes with several functions, including drug management, for free to their members.

Answer: Original Medicare does not cover it. Some Medicare Advantage providers used to offer additional benefits that included wearables, however more and more rare nowadays, due to cost containment.

Answer: It depends on your needs. If you frequently see specialists and needs to do exams many times a year, then MedSup may be your best choice. Your monthly cost will be the Part B, the Drug plan and the Med Sup premium.

If you enjoy fairly good health, you can choose a Medicare Advantage plan that covers parts A, B and D (drugs) that costs $0 monthly premium. Your only cost will be whatever SSA charges for your Original Medicare part B costs (generally $185.00/mo)

Answer: The best way is to schedule a 1-on-1 meeting with a licensed agent, either in person or by phone/video.

Answer: A: the most common misconceptions people have about Medicare are that Medicare is 100% free and it covers 100% of the cost of services.

Answer: As far as Original Medicare Part B, the only way to reduce the monthly premium is to being eligible for L.I.S. (low income subsidy) or for Medicaid. Medicare Advantage covers parts A and B, prescription drugs and some additional benefits at no cost, for certain plans. Consult an agent.

Answer: You may call the Carrier's customer service number, but from THEIR website, instead of from a google search, which may be scammer's phone number.

Answer: You may consult with a licensed agent. The agent's job is to educate you as to how the Medicare works, what are you dues and your options to get safely and affordably covered.

Answer: The carriers generally provide the annual House Call at no charge to the member. They send a nurse to check your vitals and medicines. The information they obtain helps the carrier provide better services to members.

Answer: It's freedom to choose your health care providers without a referral or prior authorization for procedures, exams, etc, as long as they accept Medicare and the medical needs are covered by the Original Medicare.

Answer: When you turn 65 and apply for Medicare part B, you have 6 months from the part B effective date to apply for Medicare Supplement . Within this 6 month period your acceptance is guaranteed. Past 6 months you are subject to underwriting process.

Answer: If your doctor billed you, he/she probably does not take Original Medicare; or he/she takes Medicare, but is out of your plan's network; or his/her rate is above (up to 15%) of Medicare allowed rate.

Answer: Because they miss the Enrollment period, which varies significantly according to the individual situation, as far as health coverage. Pass enrollment period + coverage gap = lifetime penalty.

Answer: Emergency medical services only. Neither original Medicare or Supplement/Advantage plans cover other than emergency medical needs.

Answer: You can learn all about Medicare by calling a licensed agent, faster than reading and researching. Of course I advise you to do your own home work and have questions written down before calling an agent. However, you have 7 months to enroll at: SSA.gov : the month your turn 65, 3 months prior and 3 months after. Wether you go to apply for part A and/or part B, the choice depends of your current health coverage. An agent should never charge you for Medicare information.

Answer: Federal government funds private companies to assist their members and, depending on the plan, it may have a $0 monthly premium. However it doesn't mean $0 cost, for there are co-pays and deductibles, though limited by an annual Maximum out-of-pocket.

Answer: Your individual coverage and eligibility will not be affected; however, depending of your spouse's work history and your after merriage combined income, it may affect part B premium. Also your free part A eligibility may be reviewd.