Charles Mai, Medicare Insurance Broker
Charles Mai
Medicare Broker Licensed in NJ, CA, FL, NC, NY, PA, SC, TX and VA
Contact Details
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Location
Glassboro, NJ
Charles Can Help With:
About Me
Hey there, my name is Charles, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Charles Mai
What are the reasons why I should work with a Medicare agent?
Answer: A Medical agent will help you find a plan meets your needs the most and maximize the benefits available. And the agent is a great source for Medicare relative questions and matters and easier accessible. Best of all, working with an agent, there is no extra cost, this means you get the same benefits and same costs with or without working with an agent.
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Can I use a health savings account (HSA) to pay Medicare premiums after I retire?
Answer: Yes, you can use a Health Savings Account (HSA) to pay Medicare premiums after you retire. HSA funds can be used tax-free to pay premiums for Medicare Part B and D, as well as Medicare Advantage plans
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: A Medicare advantage plan is based on your Medicare part A and B participation. Most people get the part A free based on more than 10 years of working history. As for the part B premium for most is $185.
People have Medicare part A and B, they can enrolled in a A medicare advantage plan. Most of the plans have a $0 premium. A Medicare Advantage plan generally combines Part A, part B and Part D, and provide some additional benefits such as dental, vision and hearing. some will be also provide part B premium giveback or OTC allowance.
It is based your medical needs to choose a plan that is right for you. Please feel free to reach out at 866-988-0008 for more in depth analysis.
I called to ask about a knee replacement and suddenly they said I need prior authorization. I thought my plan was supposed to be good-what's going on?
Answer: Some treatments will require prior authorization. Just work with your doctor to get it. They are usually approved.
How does Medicare handle coverage for experimental treatments or clinical trials?
Answer: Health insurance including Medicare generally does not cover experimental treatments and clinical trials. However, drugs used in these might be covered.
How do discount cards and resources affect my Medicare Prescription Drug plan?
Answer: Medicare Part D does not work with other discount cards. If the discount card is better, you can pick up the medicine thru your discount card but the spending will be not be counted toward the Part’s deductible and out of packet max.
Some of my customers use discount cards to pick up medicines that are not covered by the Medicare part D plan.
Most of the states if not every state have the assistant program. Like PAAD in NJ and PACE in PA, EPIC in NY. The Fed also the the low income subsidy plan (LIS) to help those who qualify to get medicines.
I changed my plan during Open Enrollment and now I can't see my regular specialist. Isn't this what the whole review period is supposed to prevent?
Answer: For Medicare, it is called Annual Election Period, which begins on 10/15 and end on 12/7. During this period, one can enroll many plans and only the last one will be effectuated. The new plan will be effective on 1/1.
Medicare Open enrollment is from 1/1 to 3/1 for those who enroll in a Medicare advantage plan. They will have one time chance to switch to the new plan. Once used, it will become unavailable. This is for someone who switch to a new Medicare Advantage plan during the Annual Election Period to see if it works for them and provide them a chance to amend.
In your experience, what are the best Medicare Supplement insurance companies and why?
Answer: All supplement plans are standardized which means plan N, for example, is the same no matter from which company. The premium will be different. Therefore, when selecting a supplement plan, it is better to choose from a larger and stable company with a very affordable premium because the future premium might be more stable than smaller companies.