Charles Borg, Medicare Insurance Agent

Answer: Most people don’t understand it very well well. I enjoy helping them understand it and making the right decision.

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.

Answer: Yes. If you have a special situation Medicare usually adjusts for it. It is generally more flexible than a HMO plan.

Answer: See a specialist. Many times your Primary Care Provider can recommend someone. If not, sometimes friends or relatives can recommend someone.

Answer: I don’t think so. There would usually have to be a diagnosis to. be covered for a genetic test procedure.

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.

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.

Answer: If you were enrolled in an Advantage plan that was discontinued you can enroll in original Medicare.

Answer: Yes. Your Medicre Advantage plan is an HMO, so you have to go to a dentist who’s in your plan’s network.

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.

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.

Answer: No. It’s been working fine for a long time, so why change it now? Are you having a problem!? What changes would you like to see?

Answer: Looks like you were wrong. All PPO plans are different, since they are issued by different insurance companies. Also, all Advantage plans have a list of participating doctors.

Answer: There is no charge for part A, but part B does have a premium. It’s usually taken out of your Social Security payment. Maybe you should contact the Social Security office and try to get things straightened out.

Answer: No one knows how artificial intelligence will affect the payment of claims in the future. The best anyone can do is just guess.

Answer: A Medigap plan is issued by a private insurance company, not the government. You paid into government coverage, Medicare where you can’t be denied. You had a grace period when you-turned 65 for 6 months to get a Medigap policy, regardless of your health, but you didn’t take advantage of it.

Answer: You can. Look on Medicare .gov and compare various programs. These plans can change every year so you should compare them each year.

Answer: Long term custodial care isn’t covered by Medicare. To cover long term custodial care, you should have a private insurance policy. Assisted living is a different story. It could be covered by Medicaid if you qualify.

Answer: Many.. First of all there’s no extra cost for working with a Medicare agent. It’s also more personal and precise. You can ask as many questions as you want and usually get more complete and. Unbiased information.

Answer: Usually Because they’re not in the Advantge plans network. There are many reasons for that so no one Answer can cover all the reasons.

Answer: Wellness visits, vaccinations (flu, coved 19, pneumonia, etc),screenings (Cole total, breast, etc.and some counseling.

Answer: If you’re covered by an accredited plan through your employer, you don,t. Check with your employer or group insurance to make sure that your health plan qualifies.

Answer: Most people get Part A of Medicare at age 65. If you’re on federal disability you should also get Part B.

Answer: He’s wrong. His Medicare Advantage plan has many restrictions that your plan doesn’t. He needs referrals from his primary care doctor before he can see any specialists, and only those that are in list of participating doctors. You don’t have that. You can see any physician who is taking new patients without a referral. No restricted list like in an Advantage plan.

Answer: How old will you be next year?y. If you’re going to be 65, then you should register with Medicare. Everyone gets part A automatically, but you should enroll in Part B.

Answer: They are two different things. Medicare Part D is just a drug plan, nothing else. A Medicare Advantage plan is a complete withdrawal from government Medicare. It’s either an HMO or a PPO issued by a private insurance company.

Answer: It limit the amount of money seniors spend on drugs. Before Biden signed this into law there was no limit and many people couldn’t afford their drugs.

Answer: Medicare only covers treatments that are proven to be effective. Alternative treatments have to be proven effective before they can be covered.

Answer: Medicare Advantage plans are issued by private insurance companies. They can use almost any incentives they want. If their plans were so good they wouldn’t need incentives.

Answer: The best advice is don’t do it. There are lots of restrictions on Advantage plans that don’t exist on regular Medicare.