Anna Crichton, Medicare Insurance Agent
Anna Crichton
Medicare Agent Licensed in NC
Contact Details
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Location
Hampstead, NC
Anna Can Help With:
About Me
Hello, I'm Anna, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Anna Crichton
My doctor wants me checking my blood sugar 3 times a day. Will Medicare pay for my meter, test strips, lancets, and control solution, and how many strips can I get each month?
Answer: Medicare Advantage Plans provide for diabetic monitoring supplies at no charge. This includes a meter, lancets and strips.
If you use insulin you are entitled to 100 lancets and strips per month, if you do not use insulin 33 strips per month. • If you do not use insulin, your doctor will need to submit a prior authorization or quantity limit exception explaining why testing 3 times daily is medically necessary.
What happens if my Medicare Advantage plan is discontinued or leaves my area?
Answer: This is called a plan exit and it gives you, the member, an automatic Special Enrollment Period. This is allows your agent to find a new plan that includes all of your Dr.s, prescriptions and has the coverages you need and change it for you so you maintain credible coverage for all of your healthcare and prescription drug needs
Why is moda more expensive than united health through pers?
Answer: Moda Health plan is more expensive upfront because it is a Medicare Supplement (Medigap) plan, whereas Pers Group UnitedHealthcare is a Medicare Advantage (Part C) plan.
Does Medicare cover PRRT with Lutathera for neuroendocrine tumors, and what will I pay out of pocket?
Answer: Yes, Medicare covers Peptide Receptor Radionuclide Therapy (PRRT) with Lutathera when it is medically necessary for FDA-approved indications. Because Lutathera is an intravenous radiopharmaceutical administered in a clinical setting, it is billed under Medicare Part B rather than Part D.
Since this is a drug that is delivered through an IV and a licensed healthcare provider must be the one to administer the prescription if you are on a Medicare Advantage Plan you would be responsible for 20% coinsurance up to your Maximum Out Of Pocket (MOOP) amount for the plan. If you are on a Medicare Supplement you would be responsible for the Part B deductible and then $0 for the remainder of the year.
What is step therapy in a Medicare drug plan, and do I have to start over if I switch plans?
Answer: Step therapy is when the insurance company requires a patient to try lower costing drugs to test for effectiveness. Only when the lower cost drug is ineffective or fails can the prescription be "stepped up" to a brand name or a more expensive option.
This is called the, "fail first" rule: You must fill and take the Step 1 medication for a set period. If it does not control your condition, causes severe side effects, or is medically inappropriate, your doctor can request "stepping up" to a higher-tier drug
If you switch insurance companies, like going from United Health Care to Humana can trigger the entire process to start over as each company has it's own formularies (list of preferred and non preferred drugs) and coverage rules.
You are entitled to a temporary, one-time supply (typically up to 30 days) of your medication at a retail or mail-order network pharmacy within the first 90 days.
If your new plan requires step therapy for a drug you were actively taking, the transition fill must be provided free from step therapy restrictions so you do not experience an immediate interruption in care
What are the reasons why I should work with a Medicare agent?
Answer: There is so much false and confusing information being bombarded upon Medicare recipients, getting to the truth can be exhausting without a Medicare professional to assist you in deciphering what is an "advertisement" and what the facts are.
There are also many different ways to address your Medicare needs. A knowledgeable, professional agent can help you navigate the best direction for you that will fit ALL of your individual and personal needs while making certain to adhere to the maze of requirements and regulations, ensuring you avoid any penalties.
A professional Medicare agent, like me, is here for your entire Medicare journey making sure that as your needs adjust or change so do all of your coverages. Here for you to answer questions, address concerns and assist you throughout each and every year making sure all of your Medicare coverage aligns with your needs year after year.
Having your own personal Medicare agent removes the hardships or talking to one stranger after another that may or may not have your best interest at heart and gives you a solid relationship you can trust and rely on.