Robert Nunn, Medicare Insurance Agent

Answer: as long as you have creditable coverage you will not be penalized . Make sure when retiring you get appropriate documentation from HR proving you and your wife had credible coverage till she left .

Answer: The gap coverages are to cover the deductible of par an and part b of Medicare . All companies have to provide the same coverage they don’t have as many ancillary benefits but well worth it

Answer: Get a licensed Agent and have a difficult conversation about the end of life plans for someone you love .

Answer: My understanding is companies can curtail marketing in state but must maintain current clients . If the company drops you for anything other than no premium payment or fraudulent statements on application you will be eligible for guaranteed enrollment in a special election period .

Answer: The answer is not getting a train license agent to go over in detail the drugs the client uses.

Answer: I believe technology will continue be more influential in Medicare and hopefully will give people ability to have more options

Answer: Of course, there is rampant overbilling, incorrect billing, and billing for procedures people don't need. Having a qualified, licensed health agent in your corner is vital. At the bare minimum, ask questions, and on every Medical release you sign for service by your signature, note that you are only authorizing payment for reasonable and customary service .

Answer: Yes some clients use Good Rx , Fred’s, the Canadian med store , The secret is to research and ask your agent to assist .

Answer: I would call customer service of your specific plan and ask them if it’s covered or call directly to Medicare and ask them as well also I would call doctors billing department and ask them as well

Answer: The best time is when you turn 65, because you automatically qualify without any health questions being asked. Remember, if you do not like Medigap policies, you can always opt for a MAPD; however, without exceptional circumstances, you cannot switch to a Medigap plan without undergoing underwriting. Be happy to assist

Answer: Yes be skeptical , if they won’t spend the time to find out what your needs are and give a full explanation of both Mapd and Med sups do not give them the business . They are interested in getting a paycheck and not taking care of clients .

Answer: There are already stringent rules for Marketing and sales practices. The problem stems from undertrained call centers and new agents making errors. Always defer to an agent who fully explains your options and lets you decide what's best for you.

Answer: I would call my agent of customer service and find out what hospital is in network. I then would look at Ppo plans that allow me to get service where I want .

Answer: Necessary eye surgery is covered under Medicare 80 % and hopefully they have a supplement to cover remaining 20 % . I believe lenses are not covered under Original Medicare.

Answer: The broker has multiple lines and multiple companies. The agent could be captive or contracted with one company . Always get assistance from a person with multiple lines and can recommend what’s best for you

Answer: There are some identifiable gaps in a MaPD . The first days in hospital can add up. Please look at your policy and see the benefit limits and you can get a small policy to fill those in. One strategy could be for a mapd with a give back benefit and use a portion of that to fill in the gaps to limit your out of pocket expenses.

Answer: If you have been diagnosed by a Doctor to be disabled for more that 2 years CMS will put you on Medicare. Do you receive SSID checks another indication of Medicare eligibility. If you have been on disability for years it is a caution flag why you are not already on Medicare. I would call Medicare to verify or contact your agent to assist

Answer: I would be hard pressed to argue it’s not already . I suggest some form of reformation is necessary to preserve the validity of the program and left to privatization without true government oversight might cause catastrophic consequences.

Answer: To get disability from Medicare someone has to be determined to be disabled for 2 years . Once disabled for 2 years determined by a Doctor you will be eligible.

Answer: It may limit your provider options because they may not have a lot of choices . You might have to go out of network which might cause extra expenses.

Answer: . You are eligible for Medicare at 65 regardless of your choice to receive Social Security. Go to ssa.gov and on the middle of the page you will see start Medicare Part B , and fill it out which you can do 3 months from birthday month .

Answer: I would have a license agent go over the different plans G,N High deductible. Most important tell the agent exactly what is important to year ,travel , access to Doctors, fixed premiums. Connect with an Agent and have a frank discussion about budget and all your questions . Be happy to assist

Answer: First your husband when signing up needed to assign you to get his SS upon his death . You will have to choose one or the other .

Answer: There is co insurance ,paying part of the service like initial days in hospital and copayments like 20 for a specialist visit . Max out of pocket or Moop is what you pay per year with coinsurance and copayments , it does not include premium payments . So try to get procedures done at end of year because Moop resets beginning of next year. Please note there is a separate Moop 2000 for drug cost that does not apply to health care Moop.

Answer: I see this problem a lot because AEP is 10/15-12-07 and starts 1/1 of the next year. But Doctors leave or go to a network also at the beginning of the new year. Most enrollment hubs update weekly or monthly for providers . But most transitions come at the new year. Having a conversation with your Doctor or at least Office Mgr might be of value . A reason for enrolling in a PPO is you can in and out of network also using Original Medicare with a supplement will immediately solve this problem.

Answer: Usually there is a list of no charge preventive services in the explanation of benefits and an annual wellness check certain screenings a blood work are customary included. Please look at your policy or call your customer service to verify.

Answer: Plan G has a once a year 250 deductible than as long as it is a Medicare covered expense you will be covered , Always ask do you accept Medicare , is this a Medicare covered procedure and what will be my portion before the operation or service , they have to inform you by law .

Answer: If possible I would contact a licensed professional agent to go over options and make sure you ask questions. A supplement with original Medicare might be a better option for you.

Answer: My advice is to go to Medicare.gov and download the 2025 Medicare and you book . In Section 8 page 97 -106 is a step by step guide to appeal and a lot of very useful information.

Answer: I would advise going to Medicare's website or calling them. if it’s not on the previous website list.

Answer: First not sure what rehab it is but if you go to Medicare.gov and download the 2025 Medicare and you book . Go to Section 2 : Find out what Medicare covers starting on page 25 .

Answer: It works fantastic with Tri-Care for life and would recommend doing a Ma only with giveback to subsidize part B . That will allow you really to have robust coverage and should really never have a bill . Employers plans need to be analyzed on the individual merits of each plan . You should provide Agent with a EOB to look over , if unwilling do not stay with that agent call me. .

Answer: Medicare PPO has a greater Moop usually but it allows you to see a greater amount of Doctors in and out of network . Sometimes better when you are traveling.

Answer: What is the unintended consequences of my actions what am I not seeing that could hurt me later . So I complete compliant presentation of MAPD and Med Supp is vital not just the one the agent pushes you because it is good for them ,so willingness to take time with you till all the questions are answered.