Brian Loquist, Medicare Insurance Agent

Answer: This is a great question, and one that needs to be addressed at the beginning of your decision-making process. With the Medicare Advantage Plans, Medicare is no longer the primary payer. The private insurance company that you sign with, Humana, UnitedHealthcare, BCBS, etc., must give you all the benefits that Parts A and B provide. At this point, you are subjected to their network. So please be careful that your doctor or facility takes your plan. With Medigap, this is not the case. Your Medicare stays primary, and your Medigap is secondary and picks up all expenses except for the Part B deductible, which is $257 for the calendar year 2025. Any doctor or facility that accepts Medicare in the country with take the Medigap plan as well, regardless of the company you go with.

Answer: The common belief that I see some agents make is believing that Medicare stays primary when a client signs up for an MA plan. This is just not true. The private company must provide the same benefits as Medicare, but Medicare is not primary. This makes the consumer subject to that company's network.

Answer: The great news is your total out-of-pocket maximum will be $2,000 for 2025 and $2,100 in 2026. The most important aspect to this is making sure all your medications are on Formulary. Please reach out to an industry professional for help!

Answer: The Inflation Reduction Act of 2022 went into full swing in 2025. This act outlined the end of the donut hole. Now an individual on a prescription drug plan has a $2,000 cap. The main caveat to this is to make 100% sure all drugs are on the prescription drug plans formulary. Otherwise the $2,000 limit is not in effect. Please call your representative.

Answer: 99 % of procedures will go through Prior Authorization. Expect to go through a prior authorization process for a knee replacement if you have a Medicare Advantage plan. Work closely with your doctor and your plan to ensure a smooth process.

Answer: You only have to pay a total of $2,000 in drug cost IF your drug is in formulary with your Prescription Drug Plan!

Answer: IRMAA Iis based on your income from 2 years proir. It will adjust your Part B and Part D premiums based on how much you make.

Answer: You can have that face-to-face meeting if you prefer that as a consumer. The beauty of this day and time is the fact that technology allows us to communicate from anywhere

Answer: The PPO allows you to at least get some out-of-network coverage. Whereas the HMO will be 100% out of pocket if you do not use the required facility.

Answer: They are improving the customer experience every year. The Medicare Advantage market is continuing to grow and offer more consumer-friendly options.

Answer: If you are Healthy and would like to save money on Premiums, the Medicare Advantage Plan from Blue Cross Blue Shield is an excellent choice, as you have 3 years to move over to a Medicare Supplement Guaranteed Issue! other carriers are only 1 year.

Answer: Easy! Just use this link and you can have coverage by Tomorrow!

https://myplan.ameritas.com/id/4bbbc

Answer: While the Medicare Advantage Plans are premium-free, they are not the right fit for everyone. They certainly have their place in the Medicare space, but this is why you need to consult a professional.

Answer: I enjoy helping those who are confused about the Medicare process and need Genuine help regarding their choices of Medicare plans and prescription drug costs.