Bill Wheeler, Medicare Insurance Broker

Answer: You may seek help from a Medicare give back

Program. That will offer a benefit toward your part B cost.

Answer: It depends on your need and financial health at 62. But do understand, it will give a lower benefit than waiting till 70.

Answer: You will be able to access care through the emergency room with a HMO plan.But if you need to have doctor visits then you would need too look At a PPO plan.

Answer: If in doubt request to see their insurance agent license. Authorized by the state they originated in.

Answer: Yes, Medicare does offer some coverage for mental health services in Kentucky, specifically through Medicare Part B

Answer: Good question. You should not have many changes .Your medicare pays first and your retirement benefit insurance will pay secondly.

Thanks for your question.

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Answer: I am a people person . I enjoy meeting you and helping you with your needs. And I am always just a phone call away!

Answer: Medicare agents know the plans and are educated to help choose the best plan for you. Everyone has different needs. And we can help with finding the correct plan for you and be there to answer questions as they arise.

What Matters To You Matters To Us!

Answer: United Healthcare, Anthem and Cigna are excellent companies. But United Healthcare stands out for its affordability and customer service.

Answer: Moving to a new state will not affect your medicare. But if you have a part D plan or a Medicare Advantage plan that are issued by each state you will have to change that states plans.

Answer: There would be no change to your medicare benefit's but

your Medicare Part B premium (for doctor visits and other medical services) and Part D premium (for prescription drugs) are partially determined by your income, including that of your spouse.

Answer: No, Medicare Part D (prescription drug coverage) does not automatically come with Medicare. It's a separate, optional component of the Medicare program that you can choose to enroll in

Answer: Original Medicare (Parts A and B) doesn't cover prescription drugs, routine dental, vision, or hearing care, long-term care, or many routine physical exams.

Answer: Following up with parents after discussing Medicare helps ensure they understand their option,have their questions answered, and feel confident in their choices.

Answer: Yes, Medicare typically covers continuous glucose monitors (CGMs) that connect to smartphones under your part B ( durable

equipment).

Answer: Generally, filing for bankruptcy does not directly impact your Medicare benefits. You will still be eligible for Medicare coverage and benefits

Answer: A shift towards universal healthcare could lead to significant changes in Medicare's structure within the next decade, potentially impacting its role, benefits, and funding. If universal healthcare becomes a reality

Answer: As of 2025 the donut hole is no longer in effect. Your prescription cost will continue till you reach $2000.00. After that you go to zero copay.

Answer: Thank you for your question.

1. Medicare and VA benefits don't work directly together. You cannot use Medicare at a VA

facility.

Medicare is used when you are not going to a Va Facility.

2. Medicare works in conjunction with your employer insurance. It pays first (80%) then your employer plan kicks in.

Answer: Yes , you may keep your doctor, but it depends on the plan (such ad a HMO) and if they are in network. A PPO plan will allow you to see your doctor and other's who except medicare and the plans terms.

Answer: It is possible to keep your current doctor.

I alway check the doctor and the prescriptions

to make sure that your doctor is in network and your prescriptions are offered by the plan.

If not we find another plan that will meet your need.

Answer: Good news ! As of 2025 the donut hole is no longer in effect. You will stay at your current pricing untill you reach max out of pocket which is $2000.0. After that you do not owe for prescriitions.