Brady Haffner, Medicare Insurance Broker

Answer: This is not a Medicare directed question. All insurance companies. Decide whether or not you need a certain level of medical help. Ex... if a doctor prescribes you an MRI and the insurance company thinks you’ve had too many MRIs already they will deny MRI and more than likely after the fact. I always review carriers denial percentages, and that is one of an important things about working with brokers that know these items.

Answer: The least used benefit for all the advantage plans is the silver sneakers Fitness benefits anything that has to do with exercise. I always tell everyone if you’re able to use a Fitness benefit from your advantage plan work with a local fitness provider even though you’re not using their service at least you are providing income into the community

Answer: advantage plans have set prices which are called co-pays for all items being done to you medically speaking. It’s important to know what your co-pays are and let whomever the provider is know those co-pays as well.

Answer: SSI disability continues for life. At 65 it becomes SSI-Aged; no automatic switch unless SSDI. always talk with a local broker that can help you out.

Answer: I would go for an advantage plan typically there’s zero dollar premiums and the drug plans in my experience are always better.

Answer: You must have a drug plan with your part A and B, that is the bare minimum before you can be fined by the government.

Answer: I get to help people. I am not one of those agents that will sign somebody up and never talk to them again or ignore their phone calls. I’m here to help and I like helping.

Answer: It just depends on what suits your medical needs best. Supplements are typically the gold standard, But are very costly. Advantage plans are very similar to private insurance in where it has small premiums if any, as well as small co-pays and you only pay if you use it. Advantage plans are growing more popular every day due to the amount of benefits the covers.

Answer: The short answer is they’ve already been paid. The Medicare program with the government pays insurance companies to handle your health issues thus paying them for those premiums so you don’t have to.

Answer: everything depends on your doctors, drugs, and current condition conditions. One plan doesn’t fit all.

Answer: Not really as they cannot legally sign you up during that class. Brokers get paid the same from each carrier so there should be no sway from one carrier to another and it should be all about you. Education classes are a good way to understand

Answer: A 65-year-old green card holder who hasn’t met the five-year U.S. residency requirement cannot enroll in Medicare Part A or Part B yet, so no late-enrollment penalties apply. The penalty only starts once someone is eligible for Medicare and chooses not to enroll while lacking other creditable coverage. Until they meet the five-year residency rule, they are simply not eligible, so no penalties can accrue.

Answer: If you were covered under your spouse’s employer insurance, that coverage usually ends when your spouse passes away. This qualifying event gives you an 8-month Special Enrollment Period to sign up for Medicare Part B (and Part D if needed) without a penalty. Once the employer coverage ends, Medicare becomes your primary insurance, so it’s important to enroll promptly to avoid gaps in coverage.

Answer: it is not with Medicare advantage plans you can be covered all over the country as long as you go through an emergency room. There is a big misconception about advantage plants not covering you outside of your homebase and that is false.

Answer: Medicare does not cover long-term custodial care like nursing homes or assisted living, so it’s important to plan ahead for those costs. The best steps are to look into long-term care insurance, hybrid life/LTC plans, or future Medicaid eligibility if you expect to need extended custodial care.

Answer: She will need to review the providers available for the plans she is leaning towards. you can look everything up in Medicare.gov

Answer: It is very similar to marketplace in Insurance essentially it’s the same as what you have before turning 65. The difference typically is that there are less co-pays and no premiums.

Answer: original medicare does cover therapy, but you will pay some out-of-pocket expenses. if you have a supplement or advantage plan, those cost will vary as well, but typically you will pay less with supplements or advantage

Answer: unfortunately, the plan D changes added a max out-of-pocket of $2000 for 2025 and will increase to $2100 for 2026. Those are the big changes at this moment.

Answer: yes, I can. It just depends on what plan you currently have. i’m happy to review what you have and let you know exactly what can be covered

Answer: mammograms are typically covered under preventative services. I would recommend checking your summary of benefits.

Answer: imaging is covered under advantage claims as well as supplemental plans there may or may not be co-pays. It depends on what your individual plan is happy to set some time aside to review what you have and let you know exactly.

Answer: Advantage Plains don’t require you to pay the Medicare deductibles. When you’re on a supplement plan, you have certain deductibles you must meet before you can utilize those services.. Advantage plans typically do not have any deductibles just co-pays that goes towards your max out-of-pocket. If you’d like to discuss any of this further, I’m happy to set up some time and I can help you out with any additional questions.

Answer: original Medicare does not pay for dental implants, but some advantage plans and other dental riders may cover certain aspects of that