Brenda Skasko, Medicare Insurance Broker

Answer: Every Medicare advantage plan has a network. Depending if it’s an HMO or PPO will also depend on the flexibility of the plan. When working with a client, no matter rural or urban. I always ensure that the doctors will be covered for my clients.

Answer: Due to the continuous changes with the advantage plans, along with providers at times dropping out of the network, some folks can become unhappy when they don’t have the flexibility to choose which providers they go to based on the plan. This is why it’s important every year to review with a licensed professional.

Answer: More consistency each year, as the complex and confusing changes, (especially for those not being assisted by a licensed agent), are causing unnecessary expenses for the folks that have worked their whole lives to enjoy their retirement.

Answer: Changes in Medicare happen every year. We don’t like change, but change is inevitable regardless. Working with a licensed agent/broker to keep you updated in regards to these changes is vital in helping you prepare for the year ahead.

Answer: This will most likely be your last chance for a Guaranteed Enrollment. Regardless of Health, this is the most important time. I recommend you reach out to a licensed agent/broker, as they can educate and guide you. Decisions made at this point in time, especially with having been on disability? It is most likely a decision that will impact the life of your retirement, something a good Agent/Broker takes very seriously.

Answer: There are many factors to consider when anyone is turning 65 in their Guaranteed Enrollment Period. We have no crystal ball to predict what can happen to our health in the future. However, Insurance is a risk. It is depending on the level of risk one is willing to take, which they can discuss with their agent/broker, then decide what best fits their needs.

Answer: The majority of Medicare Advantage plans do not charge an upfront premium. However, there are (possible) medical and prescription deductibles, plus co-pays for various medical services and prescriptions. It is critical to review the Summary of Benefits with a licensed agent/broker, to not be “tricked” or lead with advertising that can be very deceptive.

Answer: Find a caring and compassionate agent that will give you comprehensive yet thorough information, along with ongoing personal service to help answer your questions and concerns. A good Agent/Broker will always help clarify your confusion.

Answer: Depending on one’s individual situation, there is no right or wrong answer in regards to which is best. There are a variety of factors, as to why one would be recommended over the other. Building a relationship with your agent/broker is the most important thing one can do in order to make an educated informed decision.

Answer: In this example, it appears you have a Medicare Advantage plan. Working with a licensed agent/broker to review your Summary of Benefits is critical in being prepared for any medical situations and future billing.

Answer: Your coverage does not need to change. However, you want to update your address with Social Security administration, along with your insurance company immediately. As the premiums may vary, this would also be something to discuss with your agent/broker during your SEP, (Special Enrollment Period) due to your move.

Answer: As 70% of us will need some form of extended care, and Medicare does not cover this, working with your Agent/Broker to plan the best options based on your situation is highly recommended. It is the #1 reason for bankruptcy over age 65, therefore a very important topic to discuss!

Answer: Your Original Medicare (Part A and Part B) coverage continues, as these are U.S. territories where Original Medicare is accepted. If you have a Medicare Advantage plan, you must switch to a new plan available in your new location. This is called a SCP, special enrollment. There are limitations in regards to the timelines of your move, and switching plans.

Answer: Advantage plans very based on location. Original Medicare with a Medigap plan are all the same. Working with an educated and license agent/broker is highly recommended, as they can explain and help you understand the differences of your friends plan versus what works best for you, and the area in which you reside.

Answer: You are responsible for the deductibles and cost sharing of Parts A & B, which have no limits. And depending on when you would choose to possibly get a Medigap plan, there may be penalties involved, depending on your situation. Always consult a licensed professional agent/broker for assistance.

Answer: There is no exact right or wrong answer in regards to this. Folks that do not want as many surprises with their bills usually have original Medicare with a supplement and separate Part D plan. If choosing to stay with an advantage plan, the most important thing is your summary of benefits, which a good agent will review with you to ensure your understanding, hence less surprises.

Answer: Not necessarily. Depending on your health and the time of year, you may be eligible to change, if that is your wish. Knowing the time frames, loopholes, and options will help you understand more when you reach out to an agent to help.

Answer: Original Medicare normally does not consider the majority of chiropractic work as “medically necessary”. Most Advantage plans, however, have benefits that include chiropractic services.

Answer: A Medicare supplement is what I like to call “front loading” your insurance. You paying a premium, (along with a Part D premium) free of networks, little costs as the insurance is being utilized. Both Supplements and Advantage Plans have pros and cons. Knowing what is most suitable and affordable requires a licensed agent to help educate and guide you.

Answer: I know I make a difference. Even if it’s only to educate in regards to what plan one already has, I’ve done something. I believe everyone who has worked their whole lives to get to this point deserves to fully know and understand the rights and entitlement they’ve worked for.

Answer: First and foremost, getting to know what the prospect/client is already familiar with in regards to Healthcare, what’s important to them, and then keeping it as simple as possible. I listen to their top priorities, do my homework, and give them the best options that fits their budget and needs.

Answer: Reach out to a licensed agent, such as myself, and have your list of doctors and prescriptions ready. These are the two components that are most important and necessary in choosing your best plan.

Answer: So you can be fully educated, updated, understand your rights and entitlement, to make a more informed decision. Also, personal service is priceless!

Answer: Continuous information coming in from the companies I am contracted with, and reading a lot of third-party articles. Also, have some mentors/partners when there is a specific topic I am not 100% sure about.