Andrew Zurbuch, MBA, Medicare Insurance Broker

Answer: Yes, Original Medicare covers baseline & screening mammograms.

Baseline mammograms if you’re a woman between ages 35–39. Screening mammograms are for woman ages 40 or older.

Screening & baseline mammograms: You pay nothing for the test if your doctor or other health care provider accepts Medicare assignment.

Source: https://www.medicare.gov/coverage/mammograms.

Thank you.

Answer: Yes, Original Medicare has 2 deductibles in 2026. A Part A Deductible for Hospital Insurance is $1,736 per benefit period & the Part B Deductible for Medical Insurance is $283 each year. A Medigap Insurance policy may pay 1 or 2 of those deductibles. Depending on what policy a Medicare Beneficiary purchases. Thank you.

Source: www.medicare.gov.

Answer: That is good question overall. Your Original Medicare Part A & Part B deductibles will generally change each year. Generally they increase each year. In the past 2 decades they both haven't increased each year. In the Fall of each year Congress sets the specifics of some of Medicare's parameters. Thank you.

Answer: If you reach your Medicare Advantage policy maximum out of pocket for medical insurance during the year, then you won't have copays or coinsurance to pay for approved claims during the same calendar year. Medical claims that are approved. Prescription out of pocket costs by you doesn't go towards the maximum out of pocket for medical insurance. The lower the MOOP on a Medicare Advantage plan the more advantages it is for the insured.

Go to www.locatemedicareinsurance.com for Medicare information. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No, most likely not. You would pay all costs of the claim if deemed out of network.

Medicare Advantage HMO'S are more restrictive. They have lower copays generally for In Network claims than other types Medicare Advantage plans.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No, not if you are enrolled in a Medicare Advantage policy at the time of your claim or thereafter. Give them your Medicare Advantage medical I.D. only.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Go to www.medicare.gov & use the plan finder. Enter in all the prescriptions he or she takes.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Yes, contact your current Insurance Company of your Medigap insurance policy with 60 days of your move date. Also, you should consider changing your coverage to a Medicare Advantage plan. You may get the coverage you want for less premium. It depends on some factors, so go over all of the details with a Broker. Please contact a Broker.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Original Medicare pays for 20 days of Skilled nursing facility care.

Medicare & Medicare Supplement insurance, Medigap insurance,

don’t pay for long-term care services, including care in a nursing home. Medicare doesn’t pay for long-term care.

Source: www.medicare.gov

Answer: No, it isn't concerning. According to a Milliman study shown by an Insurance Company, those on Medicare Advantage get about $1,400 more in benefits per year compared to those Medicare Beneficiaries who have Original Medicare coverage. So it is not Medicare Advantage that is costing Original Medicare more costs.

Plans are insured or covered by a Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Original Medicare does not offer additional benefits for you to maintain that type of lifestyle. Medicare does cover preventative care for all Medicare Beneficiaries.

However, you may benefit from a Medicare Advantage plan as it is offered in different types of plans. There are Medicare Advantage giveback plans & Medicare Advantage plans that give a quarterly monetary benefit for over-the-counter items to purchase. Please contact a Broker for advice.

Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: A good question from you. They don't. Discount cards are not insurance, therefore they don't pay secondary to a Medicare Part D policy. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: For Original Medicare home modifications, no generally not covered. No a stairlift would not generally be approved by Original Medicare.

Some Medicare Advantage plans would provide a flexcard with funds to use by the Insured. For instance a Medicare Advantage policy gives $500 per year. Durable medical equipment would be covered by Medicare Part B if it is medically necessary. You need a Doctor's prescription for it. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Yes, there are $0 premium Medicare Advantage plans by more than one Insurance Company normally. Depends on where you reside in the U.S. There is no catch to it. If you do enroll in a Medicare Advantage plan then, Medicare gets part or all of your Medicare Part B premium. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: That is a good question. You should notify your Insurance Company of your address change and once they update it, if your current Insurance Company is licensed in that State to offer a Medicare Supplement insurance policy then your rate will change. If your current Insurance Company doesn't offer Medicare Supplement insurance coverage in that State, then you have 60 days from your move date to apply for a Medigap insurance policy with another Insurance Company. Thank you.

Answer: Well, it can be determined by a Medicare Beneficiaries health, amount of travel they forsee, amount of Doctors they have, Specialists they require to see, & if they have the means to pay the maximum out of pocket on a Medicare Advantage plan. If they are healthy, with the means to pay the maximum out of pocket on a Medicare Advantage plan, then normally a Medicare Advantage Policy to enroll in for at least their first year on Medicare would be sufficient.

If they intend to travel extensively throughout the year or have numerous chronic conditions, then a Medigap Insurance plan G or plan N would be sufficient. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No, there is no penalty. Call 1800Medicare to change back to Original Medicare. Generally the Annual Medicare Open Enrollment Period is a good time to do it. Thank you.

Answer: Here are 2 of the Medicare penalties to be aware of. I don't have exact information as of now of the most common. The late enrollment penalty for Part B & the Medicare Part D Late Enrollment Penalty. Usually, you don't have to pay a penalty if you meet certain conditions that allow you to sign up for Part A.

Source: www.medicare.gov.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, if you meet Medicare's criteria. If you do meet the criteria, then you can pay the premiums for Original Medicare Part A & Part B. Medicare will send you invoices for the premiums.

Generally, it is sent quarterly. Thank you.

Answer: Yes, please use a Broker. Research your Medicare Advantage choices.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Original Medicare doesn't have coverage out of this Country. Medicare Advantage could include 60 days Worldwide emergency coverage. Look into long term major medical insurance. You might need more coverage.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Generally, 1 time per year during the Medicare Open Enrollment Period.

Please contact a Broker.

Answer: You should compare & contrast your Group health insurance coverage with Original Medicare & a Medicare Supplement insurance policy. Do this before you make this decision.

Medicare Part A is hospital insurance. It covers inpatient treatment in hospitals and skilled nursing facilities. It also covers hospice care and home health care, and may provide coverage for long-term care for a limited number of days.

Medicare Part B is medical insurance and covers costs for medically necessary services and preventive health services. This includes coverage for clinical research, ambulance services, durable medical equipment, and some mental health services. Part A and Part B together are known as Original Medicare.

Please contact a Broker.

Answer: You should be enrolled in Original Medicare Part A & Part B starting on your Month of birth if you are vested in Medicare. You could call Social Security or go to your Social Security office with questions on the cost of your Part B premium.

Answer: That Original Medicare covers them overseas or out of this Country. Some people don't realize they might have to pay 20% coinsurance for claims under Original Medicare.

Answer: Good question. You should meet with them & ask questions of these Brokers. They should know Medicare Advantage details & Medigap insurance policy details.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: No, even Issue Age & Community Age rated Medicare Supplement insurance policies are not guaranteed to increase in premiums. Please use a Broker for assistance. Plan G & Plan N are good choices. Although it depends where you live. Thank you.

Answer: Yes, you should work with a Broker & research your Medicare Advantage plans & Medigap insurance plans available to you. You have a Special Enrollment for 60 days after your move date.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Yes, from my knowledge you can disenroll from Original Medicare Part B. Please call 1800Medicare & speak with an Agent. Discuss with Medicare if you can reenroll at a later year. You might not want to disenroll. Thank you.

Answer: Yes, if you are on Original Medicare. Although Medicare does not cover you overseas except for limited coverage near the U.S. border.

Answer: If it is active & they are on Original Medicare, then yes. Thank you.

Answer: You should research your choices of plans on Medicare Advantage.

Medicare Advantage, which is commonly known as Medicare Part C, is an option you can enroll in once you are enrolled in Original Medicare, Part A and Part B. Medicare Advantage plans can be a great option for some. Go to Locate Medicare Insurance for information.

Plans are insured or covered by a Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: It is part of Original Medicare Part A. In Original Medicare, there are additional days that Medicare will pay for when you're in a hospital exceeding 90 days. You do have a total of 60 reserve days that could be used during your lifetime. Please connect with a Broker.

Source: Medicare & You 2024.

Answer: It if is a Medicare Advantage policy, then at least 1 time per year. If it is a Medigap Insurance policy 1 time per year or when you get a rate increase letter from your Insurance Company. You should considered your health. Meet with a Broker. Work with a Broker you can trust.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: A good question from you. If you are fully vested in Original Medicare, which takes 10 years, and you are receiving a Social Security monthly check, then Part A you should not have to apply. Part B you can disenroll if you choose by contacting Social Security. Please have a discussion with a Broker. Thank you.

Answer: The newer out of pocket maximum of $2,000 for 2025 could save Medicare Beneficiaries a small sum or a large sum. Both for 2025 & 2026.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare or 1-800-MEDICARE to get information on all of your options.

Answer: To get a larger formulary. Higher cost Medicare Part D plans could have a larger formulary, therefore more chance to have your prescription included. This would mean less costs for you. You can still switch during Open Enrollment each year.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare or 1-800-MEDICARE to get information on all of your options.

Answer: You could be penalized for Medicare Part B if you are eligible & you do not enroll in Part B, if you don't have creditable coverage inforce. It is a 10% premium penalty by Medicare. Keep records of your existing medical insurance. If your next to Medicare look into a Medicare Advantage plan.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Good questions on that subject. If they have several preexisting conditions &/or they travel continuous during the year. They would want to go with a Medigap Insurance policy. They can look at Medicare Advantage plans during the next Medicare Open Enrollment Period.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Read the Annual Notice of Change thourghly. Look at your current year plan's benefits document & compare it with the ANOC next year's benefits. The premium for the plan. Look at the difference in coinsurance & copays. Any new uncovered prescription for Medicare Part B.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: It covers durable medical equipment, Doctor's office visits, a limited number of outpatient prescriptions, hospice, outpatient care, other medical services, and many preventive services. To answer your question, No. Please look into a Medicare Advantage plan. Have a consult with a Broker.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Good question. If a Medicare Beneficiary has only Original Medicare then they could have 20% coinsurance to pay for Medicare Part B approved claims. In 2026 there is no limit to the 20% coinsurance to pay for approved claims. This could be a large amount. Please look into a Medicare Advantage plan. A Medicare Advantage plan will give you a yearly Maximum Out Of Pocket on the policy, giving you less liability on claims.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: The Coverage Gap of Medicare Part D, the donut hole, that you referred to was removed from Medicare Part D in January/2025 by the Inflation Reduction Act. It, the Inflation Reduction Act, also instituted the $2,000 maximum out of pocket for prescriptions in 2025 for Medicare Beneficiaries. So don't worry about the Coverage Gap of Medicare Part D.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: That is 20% coinsurance you would owe if claims are Medicare approved with no limit. Go with a Medicare Advantage plan.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Not much benefit at all. Go with a professional Broker regardless of where they are located. A Broker whom has expertise in Original Medicare & Medicare Advantage. Someone you can trust.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: No, generally not on health conditions. Medicare Advantage plan usually not either for health reasons.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: It is covered under Outpatient Rehabilitation subject to a copay in 2 of their plans. In 1 of the States that I/We represent them in.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Apply for the Social Security Extra Help program. Call Social Security & speak with a representative. Depending on the state you live in. You could apply for your State's Medicaid program. Please contact a Broker & look into getting enrolled in a Medicare Advantage plan.

Plans are insured or covered by a Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: No, not by Original Medicare. Medicare does not provide coverage overseas & outside of the U.S. except for near the U.S. border.

Answer: Good question. No. Original Medicare has it's own set of coverages & exclusions. Original Medicare varies from Group Health insurance plans. Generally, Medicare though is well liked by Medicare Beneficiaries.

Answer: For Original Medicare in most situations no you do not need a referral from your Doctor to see a Specialist Doctor. However, not in all situations. A Medicare Advantage plan, a PPO most of those plans no referral needed

Source: www.medicare.gov.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Find a Broker that you trust and have a meeting with. Ask questions. Then delve into Medicare Supplement coverages and Medicare Advantage plans. Consider your budget for it. Go to our website www.locatemedicareinsurance.com for more information.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: The star ratings are a good standard for Medicare Advantage plans. It is a way for a Medicare Beneficiary to compare Medicare Advantage plans from different Insurance Companies. The five stars are more difficult to attain than it was 5 years ago. So yes, they do actually provide a way to compare plans. Please contact a Broker for assistance.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No, Original Medicare Part A & Part B is the same coverage regardless of State. Medicare Advantage plans varies in the States that we offer them in.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: If your eligible & on both Original Medicare & Medicaid your claims payment on based on your State of residence as Medicaid varies between States. In IN if you have Medicaid, then Medicare pays first. If you recently lost your Medicaid, you may be eligible to change your current Medicare coverage or your Medicare Advantage plan.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Source: Medicare & You 2024.

Answer: Please call your Doctor & request that he or she accept the Terms & Conditions of payment from your Insurance Company to which you have a Medicare Advantage plan. Meaning to join their network.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes. If you're not already, go back to Original Medicare when it is allowed. Then purchase a Medicare Supplement insurance policy. The rates will vary by Insurance Companies. The rates will also vary if it is a Community rated, Issue Age rated, or Attained Age rated. If your on a Medicare Advantage plan then you will have to do it during Open Enrollment.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No. Not necessarily more than Medicare. It could be more restrictive because of the networks. They might require a prior authorization. The Center you want maynot be innetwork.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Regarding Original Medicare it can have the same cost or different premiums. You need to be full vested in Original Medicare to get the lowest premiums. You get vested by paying into Medicare. As Self-Employed or by wages at an employer. Thank you.

Answer: Waiting to long to enroll in Medicare Part B and getting accessed a penalty. If you choose not to keep Part B, however decide you want it later, you may have a delay in getting Medicare Part B coverage because you can only sign up at certain times. Get advice. Please use a Broker.

Source: Medicare & You 2024.

Answer: A wheelchair is covered under Original Medicare Part B Durable Medical Equipment. You need to have Part B and have a written order from a Doctor. If approved, generally you pay 20% of the approved amount. Unless you have a Medicare Supplement insurance policy inforce. Thank you.

Answer: Those that are residents of the United States that have been approved and received 24 months of disability payments, End Stage Renal Disease. Those are a couple of the ways. There's more. If they do get approved for Original Medicare, then look into Medicare Advantage plans.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Please have a meeting with and use the assistance of a Broker. Go over Medigap Insurance and Medicare Advantage plans. Ask questions. Then you have this person for the next Open Enrollment.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, get a Medicare Supplement Insurance Policy for it. Medicare Supplement is also referred to as Medigap Insurance.

Answer: Medicare will determine whether you qualify for a Special Enrollment Period. There are some circumstances that Medicare will allow you to be able to sign up during a Special Enrollment Period if you miss an enrollment period because of a certain exceptional situation like a Group health insurance error. For that call 1800Medicare to discuss and get a determination. If you have to pay for Original Medicare Part A however, don't sign up for it and or don't sign up for Part B, during your Initial Enrollment Period, and you don't qualify for a Special Enrollment Period, then you sign up during your General Enrollment Period that is each year. Please contact a Broker for assistance.

Source: Medicare & You 2024.

Answer: It could. They could increase your IRMAA. If you have MAGI to have a IRMAA, then it is added to your Original Medicare Part B premium. It varies on what your MAGI is per year. Thank you.

Answer: No, generally not, as you would have 20% out of pocket costs on an approved Medicare Part B claim. You should enroll in a Medigap Insurance plan G to cover the 20% Part B as secondary insurance. These policies are guaranteed renewable for life as long as you pay the premiums.

Contact us.

Thank you.

Answer: If it is for Medicare Part D, then you would be access a Late Enrollment Penalty if you do have proven creditable coverage. If you enroll in a Medicare Part D plan, then Medicare would add the Penalty to your premium. If it is medical insurance, then if you break the creditable coverage chain, then your preexisting conditions, if you have any, would not be covered in the event of a medical claim. Call your Insurance Company if you have a Insurance Policy to get a copy of Certificate Of Creditable Coverage mailed to you. Please contact a Broker

for assistance.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It depends on if your entitled to Original Medicare Part A and Part B. If your Medicare Part A is active then you have 80% coverage for Medicare approved claims. If you not vested in Original Medicare, then call 1800Medicare and speak with a representative if your eligible to enroll in Part A and pay the premiums. Good question. Thank you.

Answer: Sorry, your claim was denied. Please call 1800Medicare regarding your claim. Make notes of whom you spoke with and the when. Read your Explanation Of Benefits you recieve from Medicare. Thank you.

Answer: You would pay 20% of the Medicare approved amount. Original Medicare Part A and Part B generally cover 80% for Medicare approved Hospital costs and Medicare approved Medical Expenses. Look into enrollment in a Medigap Insurance Plan G. Thank you.

Answer: Understanding Original Medicare Part A and Part B which was instituted in 1965, generally covers 80% for Medicare approved Hospital costs and Medicare approved Medical Expenses.

Answer: It depends. If you are not in a Guaranteed Issue situation, then yes you would. For instance, if you have been with this Policy for years, then yes you would most likely. Please contact a Broker for it.

Answer: No, you didn't make a mistake. It is a guaranteed renewable Insurance Policy as long as you always pay the premiums. You can apply with another Insurance Company with the same Plan and go through the underwriting process to achieve a decreased premium rate. Please use a Broker for assistance.

Answer: Regarding your Original Medicare coverage, personal bankruptcy will not in itself disrupt it. If you are paying for your Part B premium, as long as you continue to have no premium for your Part A and are paying your Part B premium you have no issues with regard to your Original Medicare.

You could look into the Social Security's program called Low Income Subsidy and Medicaid in your State.

Answer: So Medicare Part A covers generally 80% of Medicare approved Hospital costs, leaving you with a 20% liability. Medicare Part B generally covers 20% of Medicare approved Medical Expenses leaving you with 20% gap to cover. Please use a Broker. Look into Medicare Advantage for where you reside.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Start with the basics. Go to our website at www.locatemedicareinsurance.com and read up on Medicare Advantage and also the Medicare Supplement information. After you get the basics then look at the Network of your Policy if you have a Medicare Advantage plan.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It depends what kind of Medicare Insurance your use to. If you're on a Medicare Advantage plan now, then you have before your move date and 60 days after your move date to change Medicare Insurance plans. For Medicare Advantage plans look at the star ratings of the plans. It is a benchmark of quality. Please use a Broker for assistance. If you're on a Medigap Insurance coverage, then please contact your current Insurance Company to notify them of your move and address.

Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, in 2025 Medicare came out with programs through the Inflation Reduction Act regarding Medicare Part D. It eliminated the Coverage Gap part of Medicare Part D, also it put in a $2,000 maximum out of pocket for prescriptions costs for the Medicare Beneficiary for 2025. That amount is increased to $2,100 for 2026. Furthermore, Medicare began a new program for Medicare Beneficiaries called the Monthly Payment Program. This does not reduce Part D prescriptions costs it allows the Insured to budget their prescriptions out of pocket costs. The Insured needs to call their Insurance Company to enroll in the Monthly Payment Program.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, however use a Licensed Broker. A professional Broker whom represents more than Insurance Company.

Answer: After receiving 24 months of Social Security disability payments, you are qualified for Original Medicare starting the first day of the 25th Month. Please contact Social Security at 18007721213 to begin the process or go to your Social Security office in your resident State. If you qualify for Part A, it is coverage for Hospital, and if you qualify for Part B, it is coverage for Medical Services. Generally, is 80% coverage for both Part A and Part B. That leaves you with 20% out-of-pocket costs. You could look into a Medigap Insurance plan, and that coverage is available to cover your 20% costs of covered and approved Medicare claims. Thank you.

Answer: Hospice care is care that when a Medicare Beneficiary is in need gives people respect. It is for those that have Original Medicare which they could be diagnosed with a terminal illness and provides medical care or end of life care.

Answer: Please use a Broker and ask questions. You need to have your own Advisor for Medicare Insurance.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, if you are enrolled in Original Medicare Part A and Part B, I would recommend you look into enrolling in a Medicare Advantage plan with hearing insurance. You want a Medicare Advantage plan that includes an amount for hearing aids. Please use a Broker for assistance. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It depends. If you purchase a Medicare Advantage on a HMO network and your Doctor is not in the network, then yes you would for that Medicare Advantage plan. If your on a Medicare Advantage plan with a PPO network, then no you would not be required to change your Primary Care Doctor, however if said Doctor in not in network on your Medicare Advantage plan, then it would likely increase your copay or % coinsurance. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: If you are vested in Original Medicare your Medicare Part A is no premium. You become vested by earning 40 credits from earned income. Medicare Part B has a monthly premium and can withdraw that from your Social Security check. Thank you.

Answer: It likely is from a past claim you had. Please review it and look for errors and contact Medicare at 1800Medicare or your Broker with questions.

Answer: Please contact a Broker and arrange a meeting during the 2025 Medicare Open Enrollment Period. Please make sure to ask questions and if you don't understand ask more questions.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Generally Original Medicare would cover 80% of Doctor office visits and 80% of oxygen under Medicare Part be if the claims were approved. Medicare Part B includes Durable medical equipment which oxygen falls under. Thank you.

Answer: If your Original Medicare Part A and Part B is effective before January/2020, then Medicare as a primary insurance and a Medigap Insurance Policy Plan F as a secondary insurance would be best for that condition. It is guaranteed renewable for life as an insurance Policy as long as you pay the premium and no networks to deal with. It is more advantages to use then a Medicare Advantage plan if you have this chronic kidney disease.

If your Original Medicare Part A and Part B is effective after January/2020, then Medicare as a primary insurance and a Medigap Insurance Policy Plan G as a secondary insurance would be best for that condition.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: A Broker can be independent and thereby can be unbiased. A Broker can represent many Insurance Companies. An Agent could be independent or captive and only represent 1 company. An Agent only representing 1 Insurance Company could be biased for that Insurance Company.

Both can offer Medicare Advantage plans where they are licensed to do so.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Original Medicare was established in 1965 and is generally 80% coverage. It works like a private fee for service, PFFS, and the same coverage in nationally. Medicare Advantage in contrast was established in approximately 2006 and is private health insurance through an Insurance Company that markets and sells it's plan or plans. This Insurance Company selects what State or States to offer their Medicare Advantage plan or plans in and these are 1 year coverages.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It might be a Insurance Company with a newer Medicare Advantage plan or plans. Which their networks are smaller than their competitors. Less choice for the Insured. A larger network is more beneficial. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, call Social Security and arrange a meeting regarding your Medicare eligibility. Ask questions. You need 40 credits to qualify for Medicare. Please then consult with a Broker. Thank you.

Answer: They are more restrictive than a Preferred Provider Organization, PPO, plan. They attempt to control costs, & can have narrow networks, which can mean a small network comparatively. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It depends on what type of Medicare Insurance plan you have. If you have a Medicare Advantage plan, at least once a year. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, Original Medicare covers Home Healthcare. Please call 1800Medicare & ask for a representative.

Answer: Generally not. If you qualify under a Guaranteed Issue situation then yes or for a Special Enrollment Period election then yes. A a Guaranteed Issue situation is if you have purchased your Medicare Advantage plan within the past 12 months. You can opt out of Medicare Advantage plan within the first 12 months if it was the first time you purchased a Medicare Advantage plan. Please use a Broker. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It might slow down the reimbursement to medical Doctors and Specialists almost to a halt.

Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It depends. Hospital Indemnity coverage is good. Look at your Maximum Out Of Pocket, M.O.O.P., on your Medicare Advantage plan and see if you can pay that amount. If you cannot, then a Hospital Indemnity plan would assist you in paying the large Copays from inpatient hospitalization stay. Please be aware, even if you stay in the hospital overnight, you might still be considered an outpatient. Check with the hospital staff. Please consult with a Licensed Broker. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No, usually they are uncovered. A Medicare Advantage plan would be a good choice for coverage. It depends on your residence State what choices you have. Please check with a Broker. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: You can only use the funds you deposited into a qualified Health Savings Account from earned income while you were working for Medicare premiums. Funds deposited before you retired. However, not after you retire. That is a good question. Thank you.

Answer: You should use a Broker. Have a meeting with your Broker. Ask questions. If you don't understand ask more questions. You should review Medicare Advantage plans.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It is a good question. Call each Doctor's office and ask for the person whom takes care of the Insurance. Please ask that person if they accept that Medicare Advantage plan. Please take their name and date of your call.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: For Medigap Insurance it depends on where you live. Your State of residence determines what guaranteed issue rights they have. You can apply through another Insurance Company. If you don't qualify for a Preferred rate, then it is possible you can qualify for a Standard rate. Underwriting can vary between Insurance Companies. Please contact a Broker.

Answer: That is a question for medical Doctors. However, it may be the low Copays they receive for the medical treatment they provided. It may be the denial of claims or the step therapy process. It may be the slow payment of approved of claims or changes in the payment amounts.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Not necessarily. They can be useful as the difference in Medigap Insurance & Medicare Advantage plans can be explained in detail at a seminar. Further, a Broker can explain the differences in potential claims. Medicare Beneficiaries can ask questions. A fair question though.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: It depends on what type of Medicare Advantage plan you have & what type of Medigap Insurance plan you have. Also, it where the claim happens is a factor. Some States allow balance billing. For instance, if your Policy is a Medicare Advantage plan Hmo verision then you pay all costs for out of network claims. Please contact a Broker.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Well, by enrolling in a Part D Policy, then you can avoid the Late Enrollment Penalty which is 1% of the National Average. Also, your health could change & you could be put on a new prescription.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: You should review your Policy during Open Enrollment, & consider your health, your prescriptions if any, & your chronic health problems if you have at all. If your on a Medicare Advantage plan, then you may need to make a change during next Open Enrollment. Please contact a Broker for assistance.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Generally the premiums. Medicare Beneficiaries weigh the premiums for Medicare Supplement Insurance versus Medicare Advantage. An increasing percentage are choosing enrollment in Medicare Advantage.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: You should meet with a Broker. Ask questions. Discuss Medigap Insurance & Medicare Advantage, networks, out of network costs, enrollment periods, premiums, coinsurance, & copays if they apply.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No. A large deductible to pay & also 20% Coinsurance to pay is possible. Use a Medicare Advantage plan instead. Please contact a Broker to get Medicare Advantage plan details.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: When the took Plan F off of the available Medicare Supplement Insurance Policies effective 01/01/2020 for those new Medicare Beneficiaries. This overall reduced unnecessary Doctor visits. The use of Telemedicine as an alternative for visits.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: If you have a Medicare Advantage plan, yes, expect some out of pocket costs. It could be a Copay or a Coinsurance, which is a % for example 20%. You should receive Explanation Of Benefits in the mail after claims. Make sure to review them. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No, unfortunately not. That is not a valid Special Election Period. However, there are other Special Ellection Periods. Please contact & meet with a Broker to discuss your concerns. Please ask questions to your Broker. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: If you are referring to Medicare Advantage plans, depends on the specific Hospital and the specific Insurance Company who offers the Medicare Advantage coverage. The Hospital may take numerous Insurance Companies, however not all Insurance Companies.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Attention Medicare Beneficiaries.

The difference between the Welcome to Medicare visit and the Annual Wellness visit

While both visits are important and serve a similar purpose, it is important to remember the differences between the Welcome to Medicare visit and the Annual Wellness visit.

What is the Welcome to Medicare visit?

The Welcome to Medicare visit is a one-time preventive visit that occurs within the first 12 months of the Insured’s first enrollment in Medicare Part B. This is considered a once per lifetime benefit, meaning a member is only eligible when they sign up for Medicare for the first time. This visit is covered by Original Medicare as well as possibly a Medicare Advantage plan, the Insured would need to check with their Insurance Company to see if it is covered, when performed by the Insured’s primary care provider. This visit typically consists of a review of the patient’s medical and social history, an examination of the body like height, weight, BMI, blood pressure and other routine measurements, education and counseling about preventive services and more.

What is the Annual Wellness visit?

The Annual Wellness visit is a yearly preventive visit which is covered once per calendar year. The Annual Wellness visit is covered by Original Medicare as well as possibly some Medicare Advantage plans when performed by the Insured’s primary care provider. This visit allows the physician and patient to develop or update a personalized prevention plan. The Insured would need to check with their Insurance Company to see if covered.

This typically consists of a review of the patient’s Health Risk Assessment, an update of the patient’s medical and family history, and more. If the Insured has had Medicare Part B for at least 12 months, they do not need to have their Welcome to Medicare visit before getting the Annual Wellness Visit.

Answer: Not reading the Insurance material could be it or taking the time to meet with a Broker to get informed. You should use a Broker & meet & ask questions. If you are unclear ask more questions. Take notes. You can meet again to discuss Medicare. Thank you.

Answer: It is not common that Medicare Beneficiaries regret choose Medicare Advantage plan for coverage over Original Medicare. I/We have been in more than one State advising & offering both Medicare Advantage & Medigap Insurance plans & we do not get that feedback at all.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Please see your Evidence Of Coverage document on your Medicare Advantage plan.

Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: On Original Medicare for Part A & Part B you would qualify after receiving 24 Disability income payments. You would call Social Security. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: On your Original Medicare for Part A & Part B it doesn't. You do have an Open Enrollment the Month you turn Age 65. Please use a Broker for assistance. Thank you.

Answer: If your Original Medicare for Part A & Part B is active, then no you do not. If your not sure if your sure, please call 1800Medicare. You do have an Open Enrollment the Month you turn Age 65. Please use a Broker for assistance.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: With the $2,000 maximum in place in 2025 it should drastically lower your out of pocket prescription costs for prescriptions covered under Medicare Part D. You can also use a Mail Order pharmacy to lower your prescription costs if your prescriptions are available on Mail Order.

Please see www.locatemedicareinsurance.com for other information.

Andrew J. Zurbuch, MBA

Licensed Broker

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It depends. It depends on what your health was at the time when you were reviewing Medicare Advantages plans. It seems you have Medicare Advantages coverage. If that is the case, & you were in good health & you had no knowledge of a major health outbreak for you before your purchased a Medicare Advantage plan then you made the decision best for you at the time.

Please use a Broker. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Examine a Medicare Advantage plans in the part of your State of residence. Medicare Advantage plans are build with local networks. Go with a Policy that has the hospital & doctor or doctors Innetwork & covers your prescriptions if you take any prescription. You can opt out of Medicare Advantage plan within the first 12 months if it was the first time you purchased a Medicare Advantage plan. Please use a Broker. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No, if your Medicare Supplement Insurance Policy is active & you have a emergency room visit at a Hospital you should not be billed a copay. Original Medicare would be the primary insurance & Medigap Insurance Policy would be the secondary insurance coverage. Thank you.

Answer: Medicare Supplement Insurance plans means that same as Medigap Insurance plans. They are both Medicare Secondary Insurance, however the term Medicare Secondary Insurance is not referred to often. To get further information on Medicare Insurance please see locate medicare insurance website.

Thank you.

Answer: No, this does happen. Just stay away from low Star rated plans & please call a Broker for assistance. There is at least 1 Insurance Company whom sells Medicare Advantage plans that does not have a good reputation with providers. Don't use that Company if your concerned regarding providers & claims. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: If you're asking relating to Medicare Advantage & the network it uses. Then, not many disadvantages of a Preferred Provider Organization, PPO. I/We just have not had that many complaints over the years on Medicare Advantage, Preferred Provider Organization, PPO. I would say if a Medicare Beneficiary lives in a small City, then a disadvantage could be a lack of innetwork providers. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No. Original Medicare Part A & Part B has nothing to do with your Life Insurance need. So you can disregard that premise.

Answer: Please contact Social Security & speak with a representative or go to a local Social Security office. If you have Group Health plan coverage you will need the employer to complete a form. It is the Medicare Part B form for your employer sponsored Health Insurance. Please have your human resources at your employer complete part of it & then return it. If your Group Health plan mail you a Certificate of Credible coverage, keep it. It is your proof of Credible Coverage. Thank you.

Answer: Explore Medicare Advantage plans with dental insurance & vision insurance as an add on. Beware of a Medicare Advantage plan with basic dental insurance. Please call a Broker for assistance.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: You should compare & contrast your current health insurance coverage to enrolling in Medicare Part B & then picking a Medicare Advantage plan for comprehensive coverage. Medicare Insurance is not easy to figure out. You may find that Medicare Advantage coverage is the way to go for at least 2025 &/Or 2026. Please call a Broker for assistance.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It depends on where you live which determines what Medicare Advantage plans are offered. We have had clients on Medicare Advantage plan for years & they seem to pleased as they continue to renew them. My advice seriously look at getting a Medicare Advantage Policy. Then call a Broker & compare Medicare Advantage & Original Medicare for your current health & what you might need coverage for.

Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: It is through Social Security & also called Low Income Subsidy, or Extra Help. Please contact Social Security. I/We have assisted Medicare Beneficiaries in more than 1 State to apply. You can also go to their website to apply.

You could call your Insurance Company on your Part D Policy & get information on the Monthly Payment Plan that is new in 2025. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes. Depending on how long you have been Insured on your Policy & your state of residence, you may be subject to Underwriting to the Insurance Company whom you apply to. If you are subject to Underwriting generally there is no medical exam, however the Insurance Company may have a right to deny your application. It depends on your residence state. Thank you.

Answer: It depends. For Original Medicare they should compare and contrast their Group Health Insurance coverage to Medicare Part A and Part B coverage. They should use a Broker to assist them. If they are on C.O.B.R.A. then yes they should take both Medicare Part A and Part B coverage because C.O.B.R.A. last 18 months only or 36 months if they are disabled. Thank you.

Answer: For Original Medicare you can enroll 90 days before your Birth month & no sooner than that. For Medicare Advantage you can enroll 90 days before your Birth month & it will be effective the 1st day of that month or you can enroll the month you were born & it will be effect the 1st of the following month. You can also, enroll within 90 days after your 65th birthday & during the Annual Medicare Open Enrollment Period. Assuming your Medicare Part A & Part B are effective the month of your 65th birthday. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: The Medicare Advantage plans that are on a HMO can be a disadvantage to the Insured if the Insured doesn't know how their specific Medicare Advantage plan works. An Health Maintenance Organization, H.M.O., network is more restrictive than a P.P.O. which is a Preferred Provider Organization network. Also, a Medicare Advantage plan on a Health Maintenance Organization network attempt to control costs. This controlling of costs can be a disadvantage to the Medicare Beneficiary. It depends on the claims.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: If you are referring to Original Medicare, it depends. If your fully vested in Original Medicare then at your Month you turn Age 65 you will be automatically enrolled in Part A. For Medicare Part B if you missed the enrollment, you can do the General Enrollment Period which is ually July 1 every year.

Answer: That is a good question. Contact a Broker & examine the coverages on Plan G & Plan N. Then look at the A Best rating of the Insurance Companies that offer Plan G & Plan N in your State. You might be required to go through medically underwriting to qualify.

Answer: Generally with Medicare Advantage coverage it's a set copay per day with no deductible for Medicare approved Inpatient Hospital care. Please see your Evidence Of Coverage for specifics or contact your Broker.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: The Medicare Advantage have out of pocket costs to the Medicare Beneficiary. Copays &/or a coinsurance. Could be 20% out of pocket.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Depends on the State of residence for the Medicare Beneficiary. Plan G for IN, MO, TN, KY, & FL. Plan G or N for OH as it is 1 of the States that does not allow for Medicare Part B excess charges. The rates will vary by Insurance Companies. The rates will also vary wether it is a Community rated, Issue Age rated, or Attained Age rated.

Answer: Overall, you go over the Basics of Medicare. Explain, the history of Original Medicare. Reviewing Medicare Parts A, B, C, & D with them. As the Broker you listen to their questions. Explaining what is different with Medicare Parts A, B, C, & D. Then it can go to a more personalized discussion.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, you can do that for Medicare Supplement Insurance. However, that is an Internal Agent whom only represents 1 Insurance Company. Called a Captive Agent. That is not the way to go though. Use an Independent Broker. A Broker represents many Insurance Companies, & will give you more choice & can give a Medicare Beneficiary unbiased advice. This could give you lower premiums. Thank you.

Answer: Yes, Original Medicare covers weight-loss counseling and specific surgeries for people who have a body mass index of 30 and above and meet other criteria.

Furthermore, Medicare covers some types of bariatric and metabolic surgery for people who meet certain conditions associated with morbid obesity, a body mass index of 35 or above, and other conditions.

Answer: When a American Citizen whom comes off of C.O.B.R.A. there is no guarantee issue right into a Medigap Insurance plan. C.O.B.R.A. can last 18 months or 36 months. Medigap Insurance means the same as Medicare Supplement Insurance. Therefore, their application for Medigap Insurance may be denied.

Answer: That is a good question. There will be less funding for Original Medicare unless Congress acts in the upcoming years. Less scientific research possibly for it. They, Congress, need to fix & remove the extreme waste in the Government & Medicare. Furthermore, Americans are living longer & less of the population is paying into Medicare than 50 years ago most likely.

Answer: You can inquire on a reduction to your Medicare Part B premium by calling Medicare at 1800MEDICARE. When you call Medicare please note the date of the call & the Medicare representative's name. If you call Medicare back, you will most likely not get the same representative on that call.

You can also apply for Medicaid in your State of residence. Please call your State's Medicaid Office. Thank you.

Answer: Original Medicare Part B, Medical Insurance,

covers a baseline mammogram once in your lifetime. A woman between ages 35-39.

Screening mammograms once every 12 months if a woman ages 40 or older).

Diagnostic mammograms more frequently, if deemed high risk, than once a year, if medically necessary.

Source: www.medicare.gov

Thank you.

Answer: Guarantee Issue for Medicare Supplement Insurance plans, also called Medigap Insurance, is when an Insurance Company cannot underwrite the proposed insured, the applicant. The proposed insured does not need to provide evidence of insurability to the Insurance Company and cannot be denied as long as they are eligible for the Policy & pay the initial premium.

It applies at certain times. Six months before & six months after the 65th birth month of the applicant. Thank you.

Answer: Yes, Original Medicare covers various kinds of screenings. Please see https://www.medicare.gov/coverage/preventive-screening-services#:~:text=Preventive%20services%20include%20exams%2C%20shots%2C%20lab%20tests%2C%20and,secure%20Medicare%20account%20to%20check%20your%20preventive%20services

Thank you.

Answer: Low Income Subsidy program, also referred to as Extra Help, through Social Security is 1 way to get there. You can contact them

State Pharmaceutical programs.

Your State's Medicaid you could contact.

Contact your Broker to assist you in when you can go to another Medicare Advantage Policy with Part D included or another Part D Policy.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare or 1-800-MEDICARE to get information on all of your options.

Answer: Depends on what type of Medicare Insurance you have. Original Medicare with a Medigap Insurance Policy, a Medicare Advantage Policy, Group Health Insurance coverage, VA Benefits, or FEHBA coverage. Yes, some Medicare Advantage claims require Prior Authorization. Call 1800MEDICARE for Original Medicare or contact your Broker for assistance. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: That is a great question. From my understanding the Insurance Companies for 2024 Part D coverage didn't have to cover all Rx insulins. A Medicare Beneficiary whom is concerned about their Rx costs for the next year should meet with a Broker during the Open Enrollment.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: For just Original Medicare coverage overall. Listed as an approved covered expense at a Medicare Qualified Hospital setting. Or Ordered by your medical Doctor & medically necessary.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: The difference between the Welcome to Medicare visit and the Annual Wellness visit described. While both visits are important and serve a similar purpose, it is important to remember the differences between the Welcome to Medicare visit and the Annual Wellness visit.

What is the Welcome to Medicare visit?

The Welcome to Medicare visit is a one-time preventive visit that occurs within the first 12 months of the Insured’s first enrollment in Medicare Part B. This is considered a once per lifetime benefit, meaning a member is only eligible when they sign up for Medicare for the first time. This visit is covered by Original Medicare as well as possibly a Medicare Advantage plan, the Insured would need to check with their Insurance Company to see if it is covered, when performed by the Insured’s primary care provider. This visit typically consists of a review of the patient’s medical and social history, an examination of the body like height, weight, BMI, blood pressure and other routine measurements, education and counseling about preventive services and more.

What is the Annual Wellness visit?

The Annual Wellness visit is a yearly preventive visit which is covered once per calendar year. The Annual Wellness visit is covered by Original Medicare as well as possibly some Medicare Advantage plans when performed by the Insured’s primary care provider. This visit allows the physician and patient to develop or update a personalized prevention plan. The Insured would need to check with their Insurance Company to see if covered.

This typically consists of a review of the patient’s Health Risk Assessment, an update of the patient’s medical and family history, and more. If the Insured has had Medicare Part B for at least 12 months, they do not need to have their Welcome to Medicare visit before getting the Annual Wellness Visit.

One of the biggest differentiators between the two visits is their timing.

Source: United Healthcare.

Answer: Medicare Part D covers most vaccines at no cost for Medicare Beneficiaries. Medicare Part D covers all adult vaccines recommended by the Centers Disease Control's Advisory Committee on Immunization Practices. Please contact your Part D Policy or Medicare Advantage Policy. For Medicare Beneficiaries covers vaccines that prevent shingles, whooping cough, tetanus, respiratory syncytial virus, COVID-19 vaccine and more.

Source: www.medicare.gov.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Yes, Original Medicare does cover home health care. Please contact 1800MEDICARE & speak to a representative. If your on a Medicare Advantage Policy contact your Broker. Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: You don't understand private Medicare Insurance Plans unfortunately. There's Medigap Insurance plans & Medicare Advantage plans.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: No. Medicare doesn't cover outside the U.S. except for limited coverage near the U.S. border.

Andrew J. Zurbuch, MBA

Licensed Broker

Integrated Financial

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Please contact 1800MEDICARE & speak with a representative about it. Discuss with them if it would be under Medicare Part A or Part B or is it being reviewed.

Thank you.

Andrew J. Zurbuch, MBA

Licensed Broker

Integrated Financial

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Answer: Yes, it is inplace now under Medicare Part D & Medicare Advantage. Brought on by the Inflation Reduction Act.

Please call your Insurance Company to discuss your Policy.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answer: Medicare Advantage covers many preventative care measures. Please check your Evidence Of Coverage document of your Policy or call your Medicare Advantage Insurance Company & request a copy be mailed to you.

Answer: It depends where it is dispensed. If you get it at a local Pharmcy or mail order Pharmacy, then please contact your Insurance Company on the Part D Policy & ask the representative of the Insurance Company for a Tier Exception. They have so many specific hours to respond to you.

If it is administered by your Doctor's Office, then it falls under Medicare Part B. Thank you.

Andrew J. Zurbuch, MBA

Licensed Broker

Answer: For both Original Medicare Part A & Part B for eligibility it doesn't. It does not change your eligibility status. If your entitled to Original Medicare, like working 40 quarters in the U.S., then you are entitled to it. It starts the Month of your 65th birth Month or the month after receiving 24 Months of Disability payments. This is just 2 of the ways to be eligible.

As for coverage if your already on Medicare Part A & Part B at the time of your diagnosis then dialysis does not affect your status on Original Medicare.

Claims regarding dialysis are a different question or questions & therefore not addressed herein. Thank you.

Andrew J. Zurbuch, MBA

Licensed Broker

Answer: Does this new coverage with Original Med cover me outside of the United States.

Answer: No, Original Medicare Part A & Part B does not cover Medicare Beneficiaries outside of the United States. Except for limited coverage near the U.S. border.