Bubi Gorgevich, Medicare Insurance Broker

Answer: There are different ways in findig your doctors. You could contact your provider and request the list of them, you could contact your agent as well.

Answer: Star rating will give you an idea how certain MAPD plan performed based on feedback by clients and providers as well. The higher the star rating the better is overall experience.

Answer: By age, you could get Medicare, but by your total stay in the USA and work history, you may not. If you have worked for at least 10 years in the USA with a work permit, you will collect 40 credits, which makes you eligible for Medicare.

If you have any additional questions, feel free to contact me.

Answer: PPO usually has higher copays for doctor visits and health services do to a larger network. Other than that has many positive features found by the beneficiaries.

Answer: I will be happy to guide you through the "Maze" of Medicare and Health Insurance in general. With my 15+ years of experience in this field, I am confident that I will deliver.

Please feel free to contact me.

Kind regards,

Bubi G.

Answer: That is related to copays and the total drug potential maximum financial exposure before going to catastrophic phase. For 2026 max is $2,100.

Answer: In order to distribute funds properly and retain the status, it needs to be reviewed by the financial professional or an attorney.

My advise is to contact one or another in order to do distribution of the funds correctly.

Answer: Your anual wellnes exsam is fully covered with your Medicare Advantage PPO plan. Diagnostic screenings and procedures are subject to copays.

Answer: Yes! It is very important to make the right chice during the Initial Enrollment in Medicare options. That will eliminate regrets in the future.

Answer: You can choose one or another. Typically people choose the one that provide them with the higher income.

Answer: Copays will not change a lot but maximum payed for drugs during calendar year was reduced to $2,000 for 2025 and #2,100 for 2026.

Answer: Plan G provides better coverage-as well prodiction of cost for medical treatments that plan K.

There is an alternative to plan K that will be less expencive than G and it si plan N.

Answer: Critical illness is usualy hiden in financial exposure for the beneficiary. Cancer and cancer treatments are very costly as wellas dialasys for kidney disease.

Answer: You should review your part D considering the formulary list of your drugs with different options. Effective way to lowering your cost will be contacting the manufactorer of your specialty drug and ask for their assistance in cost sharing.

Answer: Social Security Retirement is best taken at your full retirement age in order to maximize your income and to permit a higher annual income if still working. If earnings and the amount of income are not the highest priority, people retire early.

Answer: Seniors usualy do not explore all of the options available and aplicable to them. Commonly they have recommendations by friends or spouse and go with it. Very important moment is knowing what could cause certain penalties and declines in the future.

Answer: For getting your Medicare card reissued you should go to medicare.gov and request new card or go to SSA.gov and on your personal page request ne caed.

Answer: There is a long list of aproved screenings by medicare. here the list of few that are most required for: Colonoscopy, Preventive X-ray, Preventive EKG etc.

Answer: Plan N requers co-pays for some services and Dr. visits. Additional billing should not happen unless you go to the facility that does not accept Medicare Health Plan.

Answer: Medicare Health Plans are not subject to taxation. However Medicare Income is taxable-depending on household income and number of memebers reported on annual taxes.

Answer: Plans are different and they come with different premiums. The type of plan, financial situation of the beneficiary and few more factors will determine the cost of program.

Answer: That is usualy situation with limited(HMO)dental. Tipicly PPO dental has sufficient network and it is important to discuss Dental details with your agent.

Answer: That is correct. However, there are changes for 2026. The ammount will increase to $2,100 and is subjet for change in the future.

Answer: To avoid surprises in the future and achieve the objectives that you have for your Medicare.

Regulations are strict, but different carriers have different options.

Bubi Gorgevich,

Contact me.

Answer: Hello,

I am Bubi Gorgevich, a senior agent working with Medicare beneficiaries for over 15 years, and your question got directed to me for assistance.

I am sorry that you got denied, but that is based on your medical history. The only time that Medicare Supplement is guaranteed without underwriting is during Initial Enrollment upon becoming eligible for Medicare.

There are some variations by providers, depending on your area.

If you want to discuss this matter further, please feel free to contact me.

Best Regards