Anna Ptak, Medicare Insurance Agent

Answer: Medicare will not call you at home unless you have called them first and asked for a call back. The rule of thumb I use is "If you didn't ask Medicare to call you, don't give the caller personal information."

If something doesn't feel right just tell them you will call Medicare directly.

It is possible it is an independent agent offering help also. Although they should never pose as an actual Medicare representative. This is where having a trusted agent can help, then you can always chat with them to see if there is a problem.

Answer: Specialty medications can be expensive, so it’s important to look beyond just the monthly premium. Different Part D plans may place the same medication on different tiers and charge different amounts for it. It is important to compare plans based on your specific prescriptions, coverage, deductibles, and out-of-pocket costs to see which options may work better for you.

Answer: A Special Enrollment Period may be available when you:

- Move to a new address or out of your plan’s service area

- Move back to the United States

- Lose employer or union health coverage

- Leave employment and lose employer coverage

- Lose Medicaid eligibility

- Lose Extra Help with prescription drug costs

- Lose other creditable prescription drug coverage

- Enter or leave a nursing home or other institution

- Are released from incarceration

- Become eligible for both Medicare and Medicaid

- Qualify for or lose eligibility for a Special Needs Plan

- Qualify for a Chronic Care Special Needs Plan

- Have an opportunity to enroll in employer or union coverage

- Enroll in or lose eligibility for certain state pharmaceutical assistance programs

- Are affected by a Medicare plan ending, leaving the Medicare program, or being non-renewed

- Have an exceptional circumstance, such as a natural disaster or certain errors by a plan or government agency

- Enroll in a 5-star Medicare Advantage or Part D plan when eligible

- Qualify for certain Medicare Advantage trial rights

Important: The length of the SEP and what changes you are allowed to make depend on the specific situation.

Answer: During AEP October through December, a person can:

- Join a Medicare Advantage plan

- Switch Medicare Advantage plans

- Drop Medicare Advantage and return to Original Medicare

- Join, switch, or drop a Part D drug plan

- Switch between Original Medicare and Medicare Advantage

During MA OEP January through March a person can:

This period is only for people who are already enrolled in Medicare Advantage.

- Switch from one Medicare Advantage plan to another, OR

- Leave Medicare Advantage and return to Original Medicare (and can enroll in a standalone Part D plan)

They can make only ONE change during this period, and the change takes effect the first day of the month after the plan receives the request.

Answer: The short answer is Yes, but, being late once doesn't immediately mean you lose Medicare. Medicare sends bills/notices and gives you an opportunity to bring the account current.

Answer: That depends on the plans. If you ask a Medicare Agent, we can potentially find a new plan that would cover your existing Dr.

Answer: Use Aetna's provider search—but make sure you're looking at the 2027 plan.

Aetna specifically says that 2027 network information can be checked after October 1, 2026. Their directory lets you search for hospitals and other providers.

Answer: First, check to see if your plan covers a similar medication. Medicare Part D plans have their own formularies (lists of covered drugs), and sometimes your doctor can prescribe an alternative that works just as well. But if your doctor believes the covered alternatives won't work for you or could cause harmful side effects, you may be able to ask your plan for a formulary exception. Your doctor will need to provide information supporting why you need that specific medication.

Answer: Speaking with a licensed Medicare Agent will help you get all the answers you need. You can find a local agent by putting your zip code into Medicare Agents Hub. You will then get a list of trusted agents who you can contact to help answer questions.

Answer: I believe a licensed Medicare agent can be useful when you want to compare Medicare Advantage, Part D, or Medicare Supplement options, particularly if you want someone to go through your doctors, prescriptions, pharmacies and costs. We can address all your concerns and compare many different option finding the one that best suits your needs.

Answer: Keeping your Dr is an important part of the Medicare selection process. A licensed Medicare agent can be useful when you want to compare Medicare Advantage, Part D, or Medicare Supplement options, particularly if you want someone to go through your doctors, prescriptions, pharmacies and costs.

Answer: A licensed Medicare agent can be useful when you want to compare Medicare Advantage, Part D, or Medicare Supplement options, particularly if you want someone to go through your doctors, prescriptions, pharmacies and costs. You can enter your zipcode int Medicare Agents Hub and get a list of local agents.

Answer: Yes — possibly, but there are two important things to check first: whether you’re eligible to change plans right now and whether the new plan actually covers your prescriptions at a lower total cost.

Medicare Advantage plans have their own formularies (lists of covered drugs), and the same prescription can have very different copays or coverage rules from one plan to another. I recommend comparing your exact prescriptions, pharmacies, deductibles, and estimated yearly drug costs—not just the plan premium.

Answer: I would suggest that we either chat by phone/video or get together in person to see which of those plans would be best for you. It would be very unprofessional of me to make a recommendation without further information so we can make sure to make the right choice.

Answer: Spiriva would usually be covered under a Part D plan. Part D plans can vary from one to another. I would be happy to assist you finding the perfect plan to address your concerns.

Answer: It is important to work with an agent to guarantee that you are receiving all the benefits you are entitled to. I can also walk you through all the important topics and help you choose the best plan for you.