Carlos Pratts, Medicare Insurance Broker
Carlos Pratts
A & B Insurance and Financial
Medicare Broker Licensed in FL
11+ Years of Experience
Contact Details
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Location
Land O' Lakes, FL
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Phone
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Website
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Facebook
About Me
Hello! I'm Carlos, your trusted Medicare consultant. As a US Military Veteran and a broker with over 20 years of experience in the health insurance industry, I am dedicated to helping you discover the ideal plan for your unique needs and budget. I will handle the complex task of comparing plans from reputable national and local companies, saving you the effort. The best part? My services are completely free! Reach out today to discuss your Medicare insurance options, and please mention that you found me on Medicare Agents Hub!
Q&A with Carlos Pratts
What do you like most about being a Medicare agent?
Answer: Seeing the positive impact I have on my clients' lives is incredibly fulfilling. I love knowing that I help them feel secure and confident in their health care choices.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: While many Medicare Advantage plans offer $0 monthly premiums, they aren't truly free. You'll still need to pay your Part B premium (currently $185 per month in 2025) and may encounter costs such as deductibles, coinsurance, or copayments when using your plan.
How can I use Medicare to cover occupational therapy for arthritis or mobility issues, and what are the limits?
Answer: Medically Necessary: The therapy must be considered medically necessary for the treatment of your condition, such as arthritis, and not merely for general fitness or maintenance.
No Limits: There are no limits on the number of occupational therapy sessions Medicare will cover annually, provided that the therapy is deemed medically necessary.
How does Medicare cover palliative care for serious illnesses, and what’s the difference between palliative care and hospice care?
Answer: Medicare generally covers palliative care for serious illnesses through Part B, which is medical insurance, and for hospice care through Part A. Palliative care focuses on relieving pain and symptoms, improving quality of life, and helping manage the emotional and practical challenges of a serious illness, while hospice care is a specialized type of palliative care for those with a terminal illness and a life expectancy of six months or less, focusing on comfort and support rather than treatment.
I have multiple medications; how can I ensure my Medicare Part D plan covers them all without breaking the bank?
Answer: Prioritize checking the plan's formulary (list of covered drugs) and comparing costs across different plans. Utilize the Medicare Plan Finder tool to see if your specific medications are covered and to estimate potential costs. Consider switching to generic medicines, utilizing network pharmacies, and exploring cost-saving programs like Extra Help to reduce expenses further.