Andrew Bartley, Medicare Insurance Agent

Answer: I'll be honest here she could invest the money elsewhere into a life insurance policy or something however I can't legally give advice on law I'd say definitely get a lawyer involved for this one

Answer: Nearly every advantage plan offers home health care to some capacity it just a matter of who works with her doctors

Answer: So your moop fully depends on your plan which can range from 3k-12k depending on carrier plan and region and what this number is , is the amount that you can physically pay out of your pocket per year as a form of protection from catastrophic events so as an example is your moop is 6 grand you spend 6 grand insurance will pay everything medical from that point forward now it's important to understand this does not apply to prescriptions it has its own moop and deductible

Answer: Call social security and see if you qualify for list or Medicaid which can assist in reducing cost or completely covering them depending on your income

Answer: Absolutely it depends on the Medicare advantage carrier on what they offer but Medicare advantage plans can offer up too 400+ a year towards lenses and frames

Answer: You should call CMS immediately as you are in your initial enrollment period which actually started a few months before your birthday and it can take up to 6 weeks for them to process and send you your Medicare card and if you kiss the window you could potentially receive a late enrollment penalty

Answer: So the zero is just to you the federal government fully funds the plan as long as you pay your part B premiums and qualify for part A

Answer: What I enjoy most isn't the sales or even the product it's sitting down with a complete strangers and becoming one of their closest advisors I truly enjoy educating my clients on all the nuances and even the tactics other agents use to manipulate so they never fall for the online scams or calls I consider myself an educator first guardian second and salesman third

Answer: There are multiple ways thru traditional and non traditional routes like acupuncture are actually covered and the limits are based on severity of your condition and what your doctor requests of you to complete

Answer: One of the most commonly missed Medicare tax items is that premiums for Medicare Part B, Part D, Medicare Advantage, Medigap, and other out-of-pocket medical costs may be deductible if you itemize and your total medical expenses exceed the IRS threshold. Another frequent misunderstanding is that IRMAA surcharges, Social Security withholding for Medicare premiums, and HSA contribution rules after enrolling in Medicare all affect taxes but are often overlooked or reported incorrectly.

Answer: Federal contracts are yearly so every carrier must resubmit and get approved by the government and that's why your plans change every single year

Answer: Due to federal contracts every single plan with every carrier resets every single year regardless of your situation this is why getting indemnity coverages to protect yourself from those deductibles is super important

Answer: If your coverage started in January yes January 1 you have access to everything your plan has to offer

Answer: Medicare has some of the best mental health coverage in traditional and non traditional ways just depends on the plan and carrier that's best for your needs!

Answer: Yes — Medicare does cover asthma and other breathing conditions, and for most people it covers the majority of the care they need.

If you see a doctor for asthma, shortness of breath, COPD, or another respiratory issue, Medicare Part B generally covers those office visits, testing, and ongoing management as long as it’s medically necessary. That includes things like breathing tests, follow-ups, and care to help keep the condition under control. If you ever need to be hospitalized because of a serious flare-up or breathing emergency, that falls under Medicare Part A.

When it comes to medications, most inhalers and breathing medications you use at home are covered through a Medicare Part D prescription drug plan or a Medicare Advantage plan that includes drug coverage. Coverage can vary by plan, so while common inhalers are usually covered, the exact copay or brand may differ depending on the plan you’re enrolled in.

Medicare can also help cover breathing equipment when it’s prescribed by a doctor. Things like nebulizers, oxygen equipment, and related supplies are typically covered under Part B, with Medicare paying most of the cost and the patient responsible for the remaining portion unless they have supplemental coverage.

If you’re on a Medicare Advantage plan, all of these benefits are bundled together, but the costs and rules can vary by company and network. The key thing to remember is that asthma and other breathing conditions are recognized medical issues under Medicare, and coverage is very common — the details just depend on the type of Medicare plan you have.

If you want, you can tell me what kind of Medicare plan you’re on, and I can explain how breathing treatments and inhalers usually work under that setup.

Answer: Yes and no as Indiana just passed a birthday law so the month before your birthday and the month of your birthday you get a guaranteed issue. To switch your supplement carrier or plan however anytime outside of this period you would have to answer health questions