Carly Cusack, Medicare Insurance Broker
Carly Cusack
Medicare Broker Licensed in OR and WA
Contact Details
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Serving
Oregon City, 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
How can I get dental and vision coverage with Medicare?
Answer: Many different insurance companies offer stand alone dental plans and some Medicare Advantage plans have dental and vision embedded in the plan.
I'm on a supplemental Plan N, and I'm curious if my recent MRI is covered or if I'll get stuck with a big bill.
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.
My Medicare Advantage plan denied coverage for a specialist I need to see. What are my options now?
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.
Would expanding Medicare to younger Americans improve or hurt the program?
Answer: Expanding Medicare and analyzing the impact would take a lot of data and time to accurately assess.
I'm worried about affording my medications even with the 2025 changes. Are there additional assistance programs I should know about?
Answer: There are payment programs available through insurance carriers. They are called M3P programs. You can also look into help from your state.
I'm confused about preventive services under Medicare. Which screenings are actually free?
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.
Do I have to pay taxes on Medicare?
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.
I lost my Medicare Card. What do I do?
Answer: You can order a new card by going to Medicare.gov. You can also call Medicare to order a new card.
Will I get an Annual Notice of Change (ANOC) every year?
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.