Arlene Arkin, Medicare Insurance Agent
Arlene Arkin
Medicare Agent Licensed in FL, MI and WI
Contact Details
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Location
Boca Raton, FL
About Me
Hi! My name is Arlene, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Arlene Arkin
Does Medicare fully cover nursing home care, and are there alternatives?
Answer: Medicare covers a nursing home for days 1-21, then there are daily charges up until a certain point.
There are Long Term care plans available and other vehicles that can help with nursing home care but you need to qualify healthwise in order to obtain them.
How can I save money on my Medicare Supplement?
Answer: You would need to be more specific about both the company and plan you currently have in order to see if there was something else out there that was less expensive.
Why do people still get large medical bills even with Medicare?
Answer: Medicare is complicated. If someone has Medicare only they are responsible for both Part A and B deductible each year and about 80% of Medicare Part B charges which could become quite costly since there is no Maximum out of Pocket amount as a stop point of charges.
In order to offset this many people choose a Medicare supplement offered by private companies to make up some or all of the remaining 20%. There is a premium associated with these plans. Any doctor who takes Medicare will usually accept a medicare supplement plan as a secondary insurance plan
Other people might go into a Medicare Advantage plan which offers Part A, Part B and usually Part D(which covers medications).
There are co-pays normally with any type of service these plans offer but there is a Maximum Out of Pocket amount. These plans take the place of Medicare and have networks of specific doctors and hospitals. They also offer HMO's and PPO's .
Again if a person only has Medicare the bills can become quite costly.
Are Medicare Supplement plans the same thing as "Medicare Secondary Insurance"?
Answer: No they are two different plans and the wording can be confusing.
Medicare Supplement plans or Medigap are private insurance plans that is secondary to Medicare, it is the second payor .wheras Medicare Secondary insurance is usually affiliated with Medicare and an Employers group or workman's compensation for example. It pays first then Medicare kicks in.
Does Medicare cover eye exams, or are seniors left paying too much?
Answer: Medicare will pay a portion of a visit to an eye doctor, then a supplement might pay the remainder.
A Medicare advantage plan will cover an eye exam and usually has partial benefits for glasses and frames
What are the reasons why I should work with a Medicare agent?
Answer: An independent broker works for you not a particular company and hopefully will help you find the right product or products that fit your needs versus either trying to do it on your own or working with an agent who only deals with one company.
How do I find local Dentists that take my Medicare coverage?
Answer: I would recommend contacting your broker who can check this for you or
if you have a computer you can go directly to the insurance company's website , and look up providers
Contacting your broker is many times easier.