Carly Cusack, Medicare Insurance Broker
Carly Cusack
Medicare Broker Licensed in OR and WA
Contact Details
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Location
Happy Valley, OR
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Phone
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Website
Carly Can Help With:
About Me
If you're looking for help navigating the Medicare world, don't hesitate to give me a call. I'm a local licensed agent in both Oregon and Washington. I prioritize education and understanding and my services don't stop with the application. Once I help you enroll, then I am your agent and I can help you with plan related questions.
I look forward to helping you on your Medicare journey.
Q&A with Carly Cusack
Answer: Many different insurance companies offer stand alone dental plans and some Medicare Advantage plans have dental and vision embedded in the plan.
Answer: You will need to pay the Part B medical deductible which is $257 in 2025 before the MRI is covered. If there are Part B excess charges you may need to pay those as well.
Answer: I'm so sorry to hear that. First, call your insurance carrier and check to see if the specialist is in-network. If they are, inquire as to why your visit was denied. If the specialist isn't in-network, ask them to help you find a specialist that is.
Answer: Expanding Medicare and analyzing the impact would take a lot of data and time to accurately assess.
Answer: There are payment programs available through insurance carriers. They are called M3P programs. You can also look into help from your state.
Answer: You can find the Medicare covered services by going to Medicare.gov. If you’re on a MAPD you can find a list of covered preventive services in your plan’s Summary of Benefits.
Answer: Medicare is a Federal healthcare program. You have to pay premiums for part B coverage and most people are entitled to Part A through working 10 years full time or longer.
Answer: You can order a new card by going to Medicare.gov. You can also call Medicare to order a new card.
Answer: Insurance carriers are required to notify members of policy changes for the upcoming year. Feel free to reach out to an agent any time after October 1st to go over your policy’s changes for 2026.
Answer: Medicare plans differ from county to county and state to state. The best way to understand your plan is to talk to a local agent or read through your plan’s Explanation of Benefits.
Answer: First, I would like to address how frustrating that is for you and anyone else in that situation. This can happen for a variety of reasons. If carrier’s search tools aren’t up to date then they can reflect doctors in-network that aren’t. Agents can make errors when checking. Also, contracts expire between carriers and doctors throughout the year and either side can decide not to renew the contract. Therefore, people can find themselves in a health care plan where the network can change mid-year.
Answer: I think hospital indemnity policies can offer people strong coverage and peace of mind. I would advise you to shop around and even reach out to an agent for help.
Answer: I would include services such as mental health, dental, vision, and hearing coverage in the Medicare program. If we want to keep people healthy, we need to serve the entire person.