Blaine Shipe, Medicare Insurance Broker

Answer: I personally like to ask a client if they want to pay as you go or pay monthly. There is no wrong answer. The budget may be the only difference in choice

Answer: Yes a bone density test in it’s simplest form is covered but more testing may be required which may put that test into another medical coverage category

Answer: Your neighbor doesn’t have a Medicare plan that will cover anything other that Emergency coverage and maybe Urgent care. Not all medical plans cover both of these options as well or limit how much the insurance will pay. You also have to pay out of pocket and then be reimbursed. It’s always good to look for travel coverage

Answer: Not worry too much. There might be a Special Election Period that will allow you to choose a new plan

Answer: That question remains a guess. There are some doctors who feel they are not getting paid fast enough or at all. This another theory that Medicare Advantage plans limits the kinds of specialist that can be seen. The doctors are also accountable to act as a primary contact for all healthcare information. This may conflict with the specialists opinion. In conclusion, there is no real one good reason.

Answer: Yes and many other surgeries. If you are still unsure you can reach out to a licensed broker or agent to do the checking on your coverage

Answer: Yes. A licensed healthcare professional has to give a reason for you to get the therapy you need. That being said your insurance may not cover enough of the recovery or therapy you need

Answer: Yes. Cataract surgery is absolutely covered by Medicare and you may not even have any cost associated with the surgery or recovery

Answer: Yes, there are many options you have to get coverage. It may require another policy or it may be a part of your current insurance plan now

Answer: Low income subsistence is available to those of limited or certain health conditions. To see if you qualify it is a service that any broker should offer at no cost

Answer: There are many services and program available through companies that are both public and private . Finding the right help is not limited to an online search.

Answer: The biggest frustration in working with a client is when the client has no trust or purposely withheld information critical to make an informed decision to be helped by someone else

Answer: There are many programs offered by local and national governments to help with making sure the individual in need of help gets it soon so they may avoid complications in the future

Answer: Loyalty. Ask brokers of ten with clients who are referrals it incentivizes the broker to act with intent to help more and utilize lasting relationships and experiences

Answer: You may sign up now or later. The catch is that if you wait until after you leave your employer it may take six months or longer to get Part B

Answer: I often work with clinicians who are helping the patients they see to transition out of hospital and back home with the tools necessary so they do not return as often to hospital

Answer: They can and do. Each individual company and plan has its own rules, which can easily be found if you know what questions to ask. Ask in the correct departments

Answer: They are. The answer may be more complex though. The physician and insurance companies need to jave a better understanding of what’s needed.

Answer: They are covered for free at one a year. Then the physician needs to oresdr more for diagnostics so the insurance companies will pay

Answer: Depends on other health conditions and medication. Are you receiving any state assistance or other medical help?

Answer: You will have Medicare Part B unless you opt out. If you have anymore questions contact me. Blaine

Answer: More and more people are trying to find insurance plans that their doctors take when individuals are on employer plans. The fact that that doctors are not wanting to take HMO plans or PPO plans is not creating an atmosphere where you may think that you will get the coverage needed. Doctors are being more selective about ehay patients take as well. The Medigap or Medicare Supplement plans are more like what people are used to while working. There is also a health component to this answer as well. We need to see more doctors as people are working longer. Advanthe plans often get a bad rap. The truth of the matter is that the extra benefits and referrals to competent doctors are well within the limits of an Advantage plan. I wouldnt be so quick to judge based on heresay.

Answer: Your SS Disability goes away and you go on straight SSI. Unless you had an industrial accident…then disability payments may continue separate from Social Security.

Answer: Depending on your Medicare plan, the glasses will not always cover glasses/lenses. Contact me, Blaine Shipe, and I will go over your plan with you.

Answer: You may want to look a less expensive options that might be here in AZ… but you do not have to change, even though you maybe paying a higher price. Contact me for more information. This is true for FL. You do need to change your drug plan however if it is a permanent move.

Answer: Medicare Part D sounds optional, but here's why drug coverage matters right now, so you don't get stuck paying more later. If you're new to Medicare, you've got an initial enrollment period around your 65th birthday. That's your clean shot to pick a Part D plan for prescriptions or a Medicare Advantage plan that includes drug coverage.

Here's the catch: if you don't have credible coverage and you skip Part D, Medicare may add a late enrollment penalty when you join later. Creditable coverage just means your current drug coverage is at least as good as Medicare's standard Part D. Employer plans, union plans, some retiree plans, and VA or Tricare coverage fall into that category.

Every year, your plan should send a letter saying whether it's creditable, so keep it. If you lose creditable coverage for 63 days or more after your first eligible Medicare starts counting, the penalty is typically about 1% of the national base premium for every month you went without. It's added to your Part D premium, and it sticks around as long as you have Part D.

So even if you don't take many meds today, a low-cost plan now can save you a permanent surcharge later. When can you sign up? Initial enrollment is when you hit Medicare. Annual enrollment is from October 15 to December 7. If you lose creditable coverage mid-year, you may get a special enrollment period. Don't wait; there's a clock on that action plan.

Check your current coverage for that creditable notice. If it's not creditable or you're unsure, compare Part D plans and pick one that fits. Mark the deadline so you don't cross that 63-day gap.

Bottom line: get covered on time. Keep proof of creditable coverage to avoid a penalty that can follow you for years. That's it. Quick, simple, and it can save you real money.

Answer: You will have to pay a quarterly bill if you don’t elect to have your Medicare taken from your Social Security check

Answer: Yes and no . Hospice is covered by Medicare but insurance can continue to contribute to costs incurred.

Answer: A shrinking workforce will cause higher premiums in the end because the Medicare trust fund is not being contributed to.

Answer: A doctor and maybe even a judge needs to declare the parent incompetent. This does not mean that they can’t make decisions on their own necessarily though. The decision is left to the outcome off judgment from entities quoted above.

Answer: If you cannoy afford the Part B potion of your Advantage plan. Then you can turn to your local and state government to help pay.

Answer: No. If you do it will confuse the billing departments and you may get a bill that you don’t necessarily owe.

Answer: A little more information is needed. Summaries can consist of informative information purposes only. They don’t necessarily mean you are getting a bill rather it is to inform you of claims made and this to avoid fraud.

Answer: They are with your deductible and 20% copay met. That’s why you want a ceiling on your costa because you may be a high end user.

Answer: The best over all was the plan F and now it’s the Plan G if you can afford it. Then N. Then K. You may want to look at High Deductible plans if you have other health coverage and are a low end user. With this move though it’s always good to have ancillary products like Hospital Indemnity.

Answer: The biggest mistake made is not taking into account you monthly premium plus you drug costs. The other mistake is if you are on high priced name brand or new drugs.

Answer: I’m No depending on what kind of Part C (Advantage plan) and health conditions of course. You have to wait to switch the deup

Plan component is why the need for the wait until AEP

Answer: The fact that I get to meet new people with new experiences that can help others and myself I find most rewarding

Answer: The short answer is yes. There are new procedures in place for a referral need for some surgeries however

Answer: Working with a knowledgeable, experienced broker can be one of get the most intimate way to get the knowledge to make an informed and local decision. When it come to healthcare, there usually misinformed and not a very comprehensive way to understand the intricacies of healthcare in general. There also is a component of having a real individual who can “go to bat” for you. There won’t be an individual approach to making the most important retirement decision. Healthcare is usually a third of your expense during retirement. I can help you preserve that precious time and health savings. This goes way beyond monetary expenditures. This is a real life decision that needs to be a part of your lifestyle most of the time. Time is money and money can buy pice of mind when it comes to insuring or protecting your assets so you can live life.