Andre Jones, Medicare Insurance Broker

Answer: As long as you are their legally authorized to do so. You can help them if they don't understand have memory issues etc, but you can't sign for them. Each has to complete their SOA

Answer: Sure. A good agent outlines the cost and is transparent when you consult with an agent. Knowing how you utilize your healthcare also matters.

Answer: Zero premium is what the plan is. Premiums are available. No plan is without cost shares to which an agent can and should explain.

Answer: Either is fine, depending on your situation. Each carrier's formularies are different so you always want to check with that carrier's formulary.

Insulin is capped at 35.00 and other options are available like insulin Savings program, extra help and LIS can help w/ affordability.

Answer: Depending on the plan, plan amounts for both comprehensive and preventative can range from 1,000 to 5,000. some plans offer buyup plans to include benefits that the plan does not.

Always compare plans before a decision is made.

Answer: Yes. Underwriting is involved six months after you turn 65. Medica underwriting is involved after the GI window expires.

Answer: Beneficiary or POA must sign SOA. Our info is already on form. It must be completed if beneficiary walks in o completed after a decision had been made.

Answer: Your plan will outline how many visits and how much. Always ask your agent. But also check the EOC.

PT is covered in most MAPD plans.

Answer: Understanding how you utilize your healthcare. being healthy, getting check-ups reduce the cost of healthcare. Plans are available for each group of healthcare users.

Answer: Make sure Specialist are covered as well as the center. Check your EOC. You can also purchase a Critical illness plan to help offset losses brought on by loss of income

Answer: Customer service

Placed in the wrong plan

Plan doesn't fit need.

Low performing plan

Given misleading information

Answer: Medigap plans are GI for six months during your 65th birthday. After that window, underwriting takes place.

MAPD plans are guarantee issued.

Answer: Always ask your agent what a plan covers. Original medicare does not cover Dental, Hearing or Vision. Most MAPD plans cover D/V/H which is outlined in bth the summary of benefits and Evidence of Coverage.

Answer: For one, as someone w/ a disability, and currently enrolled in Medicare, I understand the nuances of healthcare, Medicaid and Medicare. I build trustworthy relationships w/ my beneficiaries that's built on transparency and education for you to make an informed decision on your Medicare options.

Answer: HMO's are designed to manage care, minimize costs and is in-network only. To see a spec outside an hmo, you'd need a referral. Travel outside the state, emergence care and urgent care is available and if doctor accepts carrier,it's considered in-network.

HMO-POS is designed the same as an HMO but you see a specialist and co-pays should be same as in-network.

PPO's are set up for the beneficiary to see anyone w/o prior authorization or referrals. Good for those who travel. generally, co-pays are slightly higher and can contain coinsurance if out of network