Anthony Albano, Medicare Insurance Agent

Answer: In the middle of the year, your only option would be to find a new specialist. There is no special Enrollment. For this kind of situation.

Answer: The process is to go through your primary care doctor. He will write an order for it. And he will also order the wheelchair with a participating provider

Answer: You will qualify for Medicare A & B in just about all cases. Medicare will automatically send you a Medicare card prior to your birth month. You can then begin shopping for Medicare plans.

Answer: Yes. Absolutely. You have a 60 day window of opportunity from the day you loose coverage. It can take longer that that to sign up for Medicare Part B, assuming you only have Part A. You MUST get that done early. There are specific forms needed & a specific way to go about it. Call me anytime and I will send the forms and inform you of the entire process.

Answer: Unfortunately, I have seen it happen during my 25 year career. It is not typical. That is one of the reasons you can change your plan between Jan 1st & March 31st. Feel free to contact me.

Answer: To the best of my knowledge there is no coverage at all for experimental services. I cannot be sure because every plan is different

Answer: I would strongly advice sitting down with a licensed broker and compare Medicare to your group plan. It MAY be very beneficial. Otherwise, one should enroll in Medicare Part A assuming you have worked the required amount of quarters to receive Part A for free.

Answer: My advice is to compare plans. Go to www.medicare.gov. Enter ALL of your prescriptions and see what's out there for you. Best of luck !

Answer: Not to my knowledge. To be safe I would give that question to Medicare. Call 1(800) MEDICARE

There MAY be certain circumstance that can help such as disability can sometimes get Medicare early.

Answer: Telehealth would depend on the carrier. I’m sure. I represent United healthcare and we still offer telehealth services with our Medicare advantage plans

Answer: This time of year. The AEP (annual election period)

Between Oct 15th & December 7th

Now is the time to start comparing plans and making a selection to begin on January 1, 2026

Answer: Yes & yes, depending on the plan you may have a 20% copay. It also must be ordered by a doctor and must use in network Durable medical equipment provider.

Answer: I would do as much research before meeting with an agent.

I also recommend checking with your doctors. Not just the office staff. And see who they like and who they accept as in network.

Answer: You have to call one 800 Medicare and they will send you a new one. You must do it yourself. They will not to speak to anybody else other than you. An agent like myself can give you your Medicare number, but you would have to give them your Social Security and date of birth.

Answer: Chiropractic is subject to Medicare rules.

You can see what they are by looking at your Medicare and you book

Answer: Yes. 90 days before you are ready to retire you will need to apply for Medicare part A & B in most cases.

I would say it is very important to sit down with a licensed agent at that time to guide you through the process. I’ll be more than happy to help.

Tony Albano

Answer: Medicare advantage plans can be very beneficial and saving people money as compared to original Medicare Only

MAPD pain will also include prescription coverage, which would be a very big savings as well

Most of your co-pays will be predictable

Answer: LIS also known as extra help will provide assistance for people with low income

You may also qualify for Medicaid depending on your income.

You should get with a license agent like myself to determine which way to go

Answer: Under certain circumstances only. It must be looked at on an individual basis.

Just to give you an example of some circumstances.

If you are on group insurance, and that was discontinued, you may qualify for guaranteed issue.

If you recently turned 65 and it has been less than a year that may qualify you for guaranteed issue.

If you moved from a different area and your current plan will not work in this area that may qualify for guaranteed issue

Answer: A deductible must be met before coverage begins.

A co-pay is a predictable amount for a service. Good example would be a doctor co-pay of $20. That’s a preset amount.

Answer: It’s personal choice.

I use one myself. Runs around $50 a month. When enrolled in a PPO plan, probably an indemnity would be a good idea because the co-pays are a little higher if your hospitalized period again that’s personal choice.

Answer: The agent that signed you up should’ve checked all your doctors. There may be an additional option to change. Please feel free to contact me directly.

Answer: That is a question for an accountant. You put all depend on your tax bracket. I’m sure. But check with your account.

Answer: Each year you will receive a pamphlet called ANOC. Annual notice of change.

This will describe the differences from year to year. My best advice would be to call your local agent.