Brian Leichner, Medicare Insurance Agent

Answer: I view my occupation as helping people. Since I am Certified in Medicare and been licensed in life and health insurance since 1986, I am able to help a lot. I now help people to help people with Medicare. I am a manager and have helped 1,000s of people across the nation with Medicare, life, dental, vision, hearing aids and a lot more.

Answer: Due to the Inflation Reduction Act, there are fewer PPOs to choose from. The reason being that PPO networks are more expensive to operate. They insure both IN and OUT of the Network of Doctors and Hospitals. The Inflation Reduction Act, rearranged the money. It took from Part A & B coverages as well as dental and other ancillary benefits to pay for the Prescription drug part.

HMOs cover only claims that are IN the Network. They are less expensive to operate so they generally have zero premium or more dental etc.

The real question is, what is the best route for you? PPO? HMO? Neither? Let's explore this and check the Networks for you.

- Brian

Answer: Part A is for hospital coverage, if you are "In-Patient". If you are admitted, you will be covered subject to the roughly $1600 deductible and that will afford you 60 days of hospitalization. If you are not admitted as In Patient, it will most likely be a Part B claim. That is subject to a deductible and 20% of the cost. You can call me to get insured if you are In or Out patient. Brian Leichner, 402-896-9774 is my office phone.

Answer: At Pro Insurance Resources, we teach our agents how to educate Medicare beneficiaries using a Medicare compliant education process. The beauty is that it takes about 8 minutes and is very clear. Many say they've attended 1.5 hour meetings and left more confused than educated. We frequently hear people say, "Now I understand". That means they know what they have, what their choice means and why they make their enrollment choices. This leads to long term client satisfaction. We also use State of the Art technology to shop all plans in the market each year to assure clients continue to have the coverage that best matches their particular needs.

Answer: The answer depends On the medicines you take and where you fill the prescriptions. There are big differences amongst drug costs. I can assist you as I do this for all of my clients, in finding the best match for you! Brian Leichner, ProInsuranceResources.com 402-896-9774.

Answer: This is a more complex question than it appears. Medicare itself pays for Doctors and Hospitals. So the purest answer is no, Medicare cannot pay for your groceries.

If you outsource Medicare to a private insurance company, called Medicare Part C or is also called Medicare Advantage, you may have a healthy grocery benefit. I want to stress may have that benefit. It is based on other factors, like where you live, what your income and assets look like and what plans are available to you. If you are on Medicare and Medicaid there is a much higher chance you could qualify for a benefit of healthy groceries.

Even if you do, that benefit is subject to change at least annually or if CMS changes rules. I hope this helps and please consider me a resource. Brian Leichner 402.896.9774 is my office or you can email me at [email protected]

Answer: Medicare does not cover experimental treatments. It covers Hospitals when inpatient using Part A and doctors using Part B. Drugs are covered under Part D, but must be on the formulary, so you probably won't find coverage for experimental meds either.

To talk to you about what could be covered; you can buy policies that pay directly to you. Policies like this pay for being unable to take care of yourself, cancer, accidents, hospital and other plans that pay you cash and then you can use that cash to pay for experimental procedures that you seek.

Have questions about any of this? Call me, Brian Leichner @ 402.708.6616. OR write to me at [email protected]

Answer: Medicare Part B (Medical Insurance) covers this test once every 24 months (or more often if medically necessary) if you meet one or more of these conditions:

You’re a woman whose doctor determines you’re estrogen-deficient and at risk for osteoporosis, based on your medical history and other findings.

Your X-rays show possible osteoporosis, osteopenia, or vertebral fractures.

You’re taking prednisone or steroid-type drugs or are planning to begin this treatment.

You’ve been diagnosed with primary hyperparathyroidism.

You’re being monitored to see if your osteoporosis drug therapy is working.

SO, if you have a Medicare supplement plan you may have to pay the Part B Deductible of $257 in 2025. If you have a Medicare Advantage plan it is probably covered in full under a Preventative benefit.

Questions? You can call me, Brian Leichner at 402.708.6616. My agency is licensed in all 50 States.

Answer: Since Medicare is a Federal program and marihuana is illegal on the Federal level, it is not covered. I forecast that both of these will align at that same time. I'm pretty sure it is "politically" based on "lobbying" and the long and deep ties to big pharma. So for now, you will have to pay for it yourself as a "not covered" on the formulary medicine.

My only other suggestion is to do a thorough review of all of your Medicare options to save money in other areas. It isn't unusual to save $50 per month with a review. My name is Brian and I help people save money on Medicare and help people to help people with Medicare. 402.708.6616 is my phone number if you need a resource.

Answer: There is no difference in cost to you to have an agent assist you or call the insurance company or Medicare directly. The difference is that if you want to talk to the same person again, or you need ongoing assistance, you may not want to start from ground zero every time you call someone. It costs you no more to have a licensed and Medicare Certified Agent help you. If you do not have an agent, you can call me. I'm happy to help. 402.708.6616 - my company is licensed in all 50 States.

Answer: In a nutshell, the Gaps in Medicare are many. You can fill most of the gaps with either a Medicare Supplement plan or a Medicare Part C (Medicare Advantage) plan. There are actually gaps with both of those too!

The gaps in Medicare Supplements include Dental, Vision and Hearing as well as my biggest concern of Skilled Care and Recovery Care. The gaps in Medicare Advantage include Hospital Copays and Cancer.

May I suggest spending a little time explaining your concerns so we can tailor a plan for you? 402.708.6616 or [email protected]

Answer: If you have original Medicare, A and B, it only covers Hospitals and Doctors not Dental and Vision. Your Medicare supplement only fills in the gaps of the A & B coverages so if you want dental and vision, I can quote and assist you in getting covered.

Part C, Medicare Advantage plans, might include Dental and Vison. The coverages there you would need to review. I can look it up for you if you don't know.

Brian Leichner

402.708.6616