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.

Answer: October 15 th begins

sign up for AEP so now is a good time to research and review the plans that are available in your area.

What are your needs, what are your expectations?

What plans does your doctor except?

So when you do decide to speak with a medicare agent you will be prepared.

Answer: Yes , it will cover you as long as you go through the Emergency room only.

So go enjoy and be healthy!

Answer: 1. $2,000 Out-of-Pocket Cap

   •   Starting in 2025, your out-of-pocket cost for Part D prescription drugs will be capped at $2,000 per year.

   •   Even if your medication costs $6,000/month (or $72,000/year), the most you will personally pay is $2,000 total for the year.

Answer:  •   You must have a 3-night inpatient hospital stay (not including the discharge day or time in observation status).

   •   SNF care must start within 30 days of hospital discharge.

   •   The care must be medically necessary and related to the hospital stay.

Under Medicare Advantage:

   •   Most Medicare Advantage (MA) plans follow the same 3-midnight rule.

   •   However, some MA plans waive the rule and allow SNF care without a 3-night inpatient stay.

Answer: To make the best decision for you I would make a list of your specific healthcare needs—like prescriptions, preferred doctors, and chronic conditions—and then talk with a agent to compare plans that cover those needs at the lowest out-of-pocket cost. This helps ensure you’re not overpaying for benefits you don’t use, while still getting coverage that’s best for you!

Answer: I understand there is a lot to consider with Medicare. Focus on learning your basic Medicare benefits, seek out your specific needs. You can also consult with a Medicare agent to answer your questions.

Answer: You may get a Medicare Advantage plan that is includes dental,hearing and vision in it or just a dental Plan.

Answer: In most cases you are not able to backdate

Due to a medical emergency needs unless you have a special enrollment period or apply for

equitable relief do to special circumstances.

Answer: Mamagrams are covered under preventive care but may be subject to a 20 percent copay. It depends on the circumstances and is referred by your doctor.

Answer: If you have Medicare and Medicaid you can get into a Medicare full dual plan a DSNP. It will have very low or no copays at all.

Answer: I would use caution with that advice. You want to get the benefits you need.

Medicare advantage plans are zero premium but do have some copays. I compare it to as close as you can get to an employer health plan.

Medicare supplements do have a premium.

But you still want to get the coverage you need. Please review your choices with an agent.

Answer: Part B covers a range of outpatient mental health services, including psychotherapy (individual and group), medication management, psychiatric evaluation, and diagnostic tests. You may want to look at a Medicare Advantage plan.

Answer: You should review you plan each year. Formulary’s change and benefits. If you find no change you may stay in your current plan.

Answer: You may want to consider a PPO PLAN that will allow you to see a doctor when you’re traveling. There may be higher copays but you will have coverage. Also plans do have an option for emergencies. If you go through the emergency room you will be covered. Best to check your plan for that option .

Answer: Regardless of whether your ambulance trip is considered emergency or non-emergency, you’re responsible for a portion of its cost, unless you have supplemental coverage, like a Medigap plan, that will pay your share

Answer: At 65 you are automatically eligible for part A if you have worked ten years or forty quarters. I would go on and get that.

On part B if you work for a large company (more than 20 employees) you can put off part B to a later date since you pay $185.00

A month for it. ob, you can delay enrolling in Part B without penalty until you retire or your employer coverage ends. You'll then have a Special Enrollment Period (SEP) to sign up for Part B without penalty.

Answer: Now starting in 2025 Medicare part d is $2000.00. Once you reach coverage your out of pocket is zero for the rest of the year.

Answer: No, you do not need to sign up for Medicare again when you turn 65 if you are already receiving it due to disability.

Answer: Provider Choice: Doctors and other healthcare providers have the freedom to decide which Medicare Advantage plans they will accept and participate in. They can also choose to leave a plan's network at any time for various reason. Contact an gent that can get you in a plan your doctor accepts.