Bobbi Lincoln, Medicare Insurance Broker

Answer: Medicare plans differ in many ways based on the zip code you live in and your friend more than likely has two different types of coverage

Answer: Look for plans that eliminate out of state network rules and provide International emergency benefits. You’ll need a Medicare Supplement (medigap) with foreign travel coverage or a travel - friendly Medicare Advantage PPO.

Answer: You need to make sure that you actively sign up because it’s not a guaranteed sign up when you retire or turn 65 in order to avoid penalties you need to make sure that you sign up during the annual open enrollment period of October 15 to December 7

Answer: No, Medicare does not cover supplements, herbs, homeopathic, or natural alternative medicine treatments by federal law. They’re only required to pay for treatment it sees as reasonable and medically necessary.

Answer: Most hospitals are no longer accepting Medicare advantage plans because private insurance frequently deny medical claims and require an exhausting amount of paperwork

Answer: You should do a reviewEvery year between October 15 and December 7 during Medicare annual enrollment period

Answer: Part D plans do not send personalized alerts to let individuals know if this could happen. Their rules are structured around a buyer beware framework which leaves that up to the consumer to check.

Answer: Original Medicare is better if you want the freedom to see any Dr. nationwide to avoid prior authorization

Medicare advantage is better if you want lower premiums and built-in perks like dental vision and prescription

As far as recommending one over the other, I don’t, the right choice depends on your personal budget. Your health needs in your tolerance for rules.

Answer: Sticking with original Medicare without a Medigap plan carries an uncap financial risk that can easily reach tens of thousands of dollars

Answer: Yes, the plan can offer extra non-medical coverage for breast cancer services. Arty especially the dual eligible special needs planned. You qualify for often provide supplemental benefits to support your recovery.

Answer: Delay getting Medicare Part B, when the individual does not have valid insurance from a job, this will result in penalties that will last a lifetime

Answer: You should work with a Medicare agent simply because they have access to multiple carriers and can find you the appropriate plan to match your needs

Answer: As an SSI and Medicade recipient you will automatically be enrolled in Medicare part A and part B. Roughly within three months of your 65th birthday.

The Social Security administration should’ve sent you out a welcome packet with a card because you will automatically be enrolled in Medicare and you will become dual eligible. Your state Medicaid, which you will be able to keep will make it so that you become dual eligible, which means that your part B deductibles will become paid for by the state Medicaid.

You will automatically be enrolled in part D as well, and you will qualify for the extra health program, which keeps your prescription cost low . You will also become QMB qualified as you already have SSI.

Your finally question to as why you are receiving so many applications is simply because you’re turning 65 and that makes you a viable person for insurance companies to market their products.

Hope this helps