Charles Borg, Medicare Insurance Agent
Charles Borg
Borg InterGroup Ltd.
Medicare Agent Licensed in FL and NY
Contact Details
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Location
Wellington, FL
Charles Can Help With:
About Me
I've been helping Medicare beneficiaries since Medicare began. Ask questions and get factual answers, even if you're not my client. I enjoy helping people. No sales pressure.
Q&A with Charles Borg
What do you like most about being a Medicare agent?
Answer: Most people don’t understand it very well well. I enjoy helping them understand it and making the right decision.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: They are not free. They do have clever marketing and lots of people believe it. Most of them don’t realize that they are giving up real Medicare for an HMO.
I have a family history of colon cancer. Will Medicare cover more frequent colonoscopies for someone in my situation?
Answer: Yes. If you have a special situation Medicare usually adjusts for it. It is generally more flexible than a HMO plan.
What should I do with my Medicare plan if I'm diagnosed with a rare disease requiring specialists?
Answer: See a specialist. Many times your Primary Care Provider can recommend someone. If not, sometimes friends or relatives can recommend someone.
I'm considering genetic testing to assess my cancer risk based on family history. Will Medicare cover this preventive approach in my situation?
Answer: I don’t think so. There would usually have to be a diagnosis to. be covered for a genetic test procedure.
I'm caring for my spouse with dementia and experiencing caregiver burnout. Will Medicare cover any mental health support for me?
Answer: I don’t think so. It would be a good idea to submit a claim anyway. That way you’ll know for sure if it’s covered or not.
I'm interested in a robotic knee replacement surgery that my surgeon recommends for my specific anatomy. How does Medicare coverage work for this advanced procedure?
Answer: If it’s considered absolutely necessary, it might be covered. There would have to be a good reason why a regular knee replacement surgery wouldn’t work.
Is Guaranteed Issue available after the Medicare Open Enrollment period ends?
Answer: If you were enrolled in an Advantage plan that was discontinued you can enroll in original Medicare.
My Medicare Advantage plan covers dental, but I can't find a dentist who accepts it. Is this a common problem?
Answer: Yes. Your Medicre Advantage plan is an HMO, so you have to go to a dentist who’s in your plan’s network.
My plan covered my cataract surgery but not the lenses I actually needed-how do they get away with that?
Answer: That’s unusual. The lens is usually covered, unless you want some sort of upgrade. Cataract surgery provides for a lens, but not special ones.
I'm confused about all these different Medicare costs - premiums, deductibles, copays. How do they all work together?
Answer: Ask an agent who knows about Medicare. Don’t rely on what you see on TV or the internet. It always makes sense to go to a professional.