Arleda Lagrone-Pittman, Medicare Insurance Broker

Answer: No worries CMS offers different enrollment options and windows throughout the year and SEP (special enrollment periods) triggered by special events. The Main option is AEP (Annual Enrollment Period) October 15 to December 7th.

Answer: You have to have paid into the system at least 10 years or at least 40 quarters of payroll taxes, otherwise, you may have to purchase Part A coverage out of pocket and enroll in Part B and pay the standard current premium of 202.90.

Answer: The Original Medicare will cover the 80 percent, and the Supplement will cover the 20 percent coinsurance. You could be responsible for the part B deductible if you purchased a plan G or N after January 2020

Answer: Yes, if they both have to submit form CMS-L564 to prove coverage. There is no joint Medicare their HR department will complete the process.

Answer: Original Medicare does not cover Silver Sneakers gym memberships. You have to keep your Original Medicare and enroll in a MAPD or Supplement who may offer gym memberships

Answer: No you have to have a MAPD or a Supplement plan with a Private Insurance company contracted with CMS.

Answer: Original Medicare does not cover dental, however by enrolling in a MAPD plan you can receive additional benefits such as dental. Most Advantage plans provide preventive dental service and comprehensive at an affordable cost. Remember you don't lose your Original Medicare in fact you have to have Original Medicare A & B in order enroll in a Medicare Advantage plan.

Answer: Yes, as long as it's credible insurance, you would definitely want to check with your H. R. Department for you cancel anything to make sure that you have credible insurance for the following open. Upon your return to your previous company. During theirEnrollment period that your company offers for employees. If they offer credible insurance, it will prevent you from having a penalty. Thank you.

Answer: Once you hit the maximum amount of pocket, there are no copays or fees. That is the financial protection safety net that allows you to have peace of mind, knowing that once you pay that maximum amount of pocket cost, the insurance plan that you have will pay 100 percent the rest of the year until next calendar. It starts all over again.

Answer: It's good have Medicare as an option if you need to see a doctors and hospitals outside of the Indian Health Medical Service. Also, Indian Health care is not considered credible with the federal government, you could incur penalties.

Answer: A doctor is one of our greatest assets in your appeal rights. It is important that a doctor clarifies that your surgery is required for your quality of life. And possibly they might need to resubmit an appeal on your behalf. Make sure everything was coded properly to process the claim. And you can also file an appeal to Medicare

Answer: It's good to go to the Medicare.gov website and also good to the main source the Company itself that they are advertising. Review the official documents from company. Any unsolicited call is a red flag; make sure they are responding from a request you made. They should never ask your social security or pressure you.