Angela Trinidad, Medicare Insurance Broker

Answer: You no not need any assistance but it is highly recommend if your not familiar with how Medicare and need to know which providers cover which carriers and what the plans pay and what your out of pocket responsible are per benefit.

Answer: Premiums are what you pay per month for your plan.

Deductibles are what you need to pay before the plan pays.

Copay are set amounts on what you have to pay for your medical hospital and Rx visits

Consonance are percentages you may pay instead of copays

Answer: . If your Turing65 and new to Medicare I would recommend looking as early as possible. For disableds I would start looking as soon as you know you’re going to get Medicare benefits

Answer: It just depends, if you’re still working and are covered under employer group plans and can provide proof at the time you wish to enroll into Medicare the answer is no. But if you’re not working and or not covered under an employer group plan that’s equal to or better than Medicare the answer would be yes if you miss your 7 month window or 8 month loss of credible coverage window.

Answer: Holistic care for an advantage plan would have to be something an in network provider will perform, while a with original Medicare you’re able to go to any holistic provider that’s willing to bill Medicare and bills based on Medicare covered benefits.

Answer: Because the member is able to go anywhere that Medicare is accepted and no referrals and no network is required.

Answer: What I like most about being a Medicare agent is that I’m able to assist clients in a way that puts they mind at ease because Medicare is such a complicated subject for many folks. And is constantly changing.

Answer: Medicare part b is the benefit that covers all your medical needs such as doctor visits, labs,and or diognostic testings. It’s also the benefit that generally has a monthly premium that deducted from your social security income on a monthly bases

Answer: You can look it up on the Medicare website at Medicare.gov ABs it will give you an estimate on the cost of the medication and let you know if it’s on which formulary for each plan that’s available

Answer: It depends you should already have had Medicare after the 24 months of being on disability. If you have your 40/4. You will be eligible for Medicare benefits at 865 during your initial enrollment. Period which is three months before the month of your Birth, and three months after your birthday. Keep in mind. Every case is unique.

Answer: Medicare doesn’t cover prescription medications you will need to apply for a prescription plan or enroll into a Medicare advantage plan with prescription coverage

Answer: Your cardiologist would have to be in-network and you would may need a referral from your primary care Dr. to your plan copay. Otherwise you will be responsible for paying 100% of your bill for any out of network provider and or benefit except for emergency or urgent care visits.