Cheri Rogers, Medicare Insurance Broker

Answer: If you are not going to continue with an employer's group or retirement plan, as early as 3 months before your birth month enroll in Medicare Part A & B. As soon as you receive your red, white and blue medicare card contact a qualified Medicare Insurance Agent to see which options you qualify and the benefits that fit your specific needs.

Answer: Yes, unless you have a Special Election Period (SEP) such as loosing your current Medicare Supplememt (MedSup) plan at no fault of your own, you will have to answer medical questions to chage MedSup Plans or try to lower your monthly premium costs. Contact a qualified Medicare Agent to discuss your current situation.

Answer: Never give anyone you don't know, especially on the phone, any of your personal information. There are many scammers who will call you as you near turning 65. It is always advisabel to contact a licensed and certified Medicare Agent who is obligated to find you the best plan to suit your needs.

Answer: It is very easy to enroll in Medcare Part A & Part B at www.ssa.gov (Social Security Administration), the process is very well explained. You can call your local SS depatment and set an appointment for them to help you as well.

Answer: Original Medicare Pat A & Part B does not cover a shingles shot without a 20% copay If you have a Part D prescription drug plan or a Medicare Advantage Plan with drug coverage many of those cover shingles shot at no cost to the client.

Answer: An experienced Medicare Insruance Broker (and ethicalI may add) should make certain they are finding you the best fit for all your needs including: financial, medical, prescriptions, your doctors and hospitals, etc. If they don't ask you these pertinant facts before recommending a plan to suite your needs call someone else.

Answer: Original Medicare Part A & Part B only covers Medical. If you need Dental or Vision benefits then a Medicare Advantage plan will usually have some benefits or you can purchase stand alone Dental and Vision insurance.

Answer: Additional benefits such as using your Over-the-Counter benefits to buy healthy foods or pay your utility bills are generally only available to Full Medicaid beneficiaries. Some Dual Special Needs Plans (D-SNP Medicare/Medicaid eligible recipients) may allow partial Medicaid recipients to have such benefits. It depends on the D-SNP plans in your area.

Answer: If you go the Emergency Room ("ER") and the doctor wants to keep you overnight in "Observation Status" to monitor your condition or run further tests - that is geneally covered by the ER visit. If you are "Admitted" make certain you understand your current Medicare Insurance plan as to how many days are covered.

Answer: The answer to this question without depends on the Medicare Insurance you have. Do you have a Medicare Advantage Plan or Medicare Supplement?

If you are on a Medicare Advantage plan all surgeries must be pre-auhorized. If you are on a Medicare Supplement and the surgery has been apprpved by Medicare then the Medicare Supplement will cove it as well.

Answer: It is very rewarding assisting my clients in finding the best Medicare Insurance to fit their needs, including finanacial, medical, prescriptions and the doctors they see. Assisting each client in this endeavor is my only goal.

Answer: Zero Premium means that there is no monthly insurance Premium. You will have copays related to many medical services but the copays are small compared to the actual cost of medical services.

Answer: Medicare may cover medically necessary, part-time or intermittent home health care if you are homebound and your doctor orders a plan of care. You may owe 20% as Medicare only covers 80% of any medical services. Services must be provided by a registerd nurse or a licensed practical nurse. This may cover wound care, IV therapy, physical or ocupational therapy, speech therapy, and Duable Medical Equipment (walkers, wheelchairs, oxygen, etc.)

Answer: The Medicare drug payment plan will help if you take expensive prescriptions (i.e. Tier 3, 4 or 5 medications). In 2026 the maximum out of pocket for prescriptions is $2,100. Contact a lincensed/certified Medicare Insurance Agent to assist you in knowing your plan benefits.

Answer: To answer your question - Yes, Medicare covers hospice. Do not confuse Hospitce with Home Health Care or Long Term Care. Medicare covers a Skilled Nursing Facility for the first 20 days, then days 21 forward do incur charges. Medicare does not cover Long Term Care.

Answer: Work with your doctor and insurance company to get the required evaluation and then get reinstated with your oxygen provider. It is imperative you know your insurance policy, benefits and requirements. Always use a licensed/certified Agent to assist you with finding the right coverage for your specific needs.

Answer: One of the biggest misconceptions people have about Medicare is that it covers everything related to medical needs. Medicare only covers medical, it does not cover dental, vision, or prescriptions. Part A is Hospitalization and Part B is medical outside of the hopsital such as doctor appointments, labs, x-rays, the first 3 units of blood, etc. Contact me if you have further questions.

Answer: Medicare insurance Agents/Brokers get paid a commission from the insurance carrier that the client chooses. In general the Insurance companies pay the same commission so an Agent/Broker does not lead a client to purchase from a company that pays them a higher commission. The goal, and the duty, of a Medicare Insurance Agent is to find the best plan to fit your needs.

Answer: Medicare does not cover long term care. If you need to go to a nursing facility/skilled nursing facility Medicare covers the first 20 days. From day 21-100 there are set fees. Then after day 100 you will pay the full cost. There are Long Term Care insurances you can purchase but, dependiong on your current age, many of them are unafordable.

Answer: Medicare Savings Programs are state assistance though Medicaid that may help people with limited income with the cost of Medicare premiums, deductibles, coinsurance, and sometimes copayments. The coverage is based on income and the level of asistance for which you qualify.

Answer: Medicare Part D may deny coverage for a brand-name drup if it is not on their formulary.

If it is denied you may, and should, file an appeal for coverage.

Answer: Original Medicare Part A & Part B and Medicare Advantage Plans can cover some in-home caregiver services but only if it is deemed you are homebound by a doctor. In sum instances this could cover skilled nursing, physical therapy, or aide services that are medically necessary.

Medicare does not cover 24 hour care or long-term care.

Answer: Maximm Out-of-Pocket ("MOOP") limits generally change evey year. Contact a local Medicare Insurance Agent to find out if your MOOP is changing or watch your mail for your Annual Notice of Change.

Answer: On a daily basis I help clients navigate complex Medicare Insurance issues. Every one of my clients and prospects have specific and individual needs to navigate to find the best fit for them. Licensed and Certified Agents are the best bet for the best fit. My services are complementary so let me do what I'm trained to do and ease your mind, save you hours of fretful seaching and research, and find the insurance for your specific needs.

Answer: Medicare eligibility is based on age (turning 65) and there are some other eligibility criteria based on disabiltiy, etc. Medicare eligibility is not income driven but if you are a high income household there may be additional costs (IRMAA) added to the Medicare Part B and part D insurance .

Answer: When you move, you may leave the service area for which your curent Medicare insurance plan covers. Contact a Medicare Agent in your new area to review your coverage and make any necessary changes.

Answer: When you move into another county you must make certain your current insurance covers your new area. Contact a licensed Medicare Insurance Agent as they can assist you in verifying that your insurance is covered in your new new county and/or assist you in finding the best plan to suite your needs in your new area.

Answer: During your enrollment process, as a trained/licensed Medicare Agent, it is my goal to assist people in finding the best plan available in your area for all of your specific needs including prescription coverage.

Answer: If your upcoming knee replacement was approved by Medicare then your Medicare Supplement Plan G will pay the 20% that Medicare does not cover after you have met your Part B annual deductible.

Answer: You need to check with your specific Medicare Insurance Plan by calling Member Services number on the back of your insurance card or by contacting your agent. There are a multitude of plans, specific to where you live, and each plan will have various differences in benefits.

Answer: It is highly recommended to contact a local licensed Medicare Insurance Agent. It is our goal to find the best fit for you regarding your needs, your prescriptions, your doctors, and your budget. We are certified, trained and experienced in assisting in this process and our services are complementary.

Answer: The act caps some insulin costs at $35 per month for Medicare beneficiaries and set a $2,000 annual out-of-pocket for 2025 and $2,100 fpr 2026 for prescription drugs (this is based on what you and the insurance company pays for prescriptions). Contact a licensed Medicare Insurance Agent to make certain you enroll in a plan that covers your drugs. If they are not covered the costs does not go toward your maximum out of pocket limit.

Answer: There is no discount for healthy individuals in Medicare Advantage (MA) plans; all insurance is based on risk-pooling. If you are on a MA with $0 monthly premium you don't have any costs unless you ustilize the benefits (i.e. go to a doctor, ER, etc.)

Answer: Before enrolling in a Medicare Advantage plan make certain your doctors/providers are all in-network. If you see a doctor outside of the contracted network you will likely have higher costs.

Answer: Domestically: you are covered IN AN EMERGENCY SITUATION as in network. If the emergency room refers you to see a doctor post ER call your insurance company to make certain that doctor is in newtwork for your post ER visit or if there can be an exception to cover the doctor.

Internationally: some Medicare plans cover international coverage. If it is important to you make certain it is included before you enroll. It is always a good idea to by traveler's insurance when traveling internationally.

Answer: In either Medicare Part B or D the provider must accept Medicare for vaccines to be covered.

Medicare Part B covers 100% of Flu, Pneumonia, and Covid 19; in cases of high risk individuals Hepatitis B.

Medicare Part D (prescriptions drug coverage), with a $ co-pay, you will need a prescription for Shingles, Tdap (tetanus, diphtheria and pertussis/whooping cough) and RSV.

Vaccines that are "reasonable and necessary" to prevent illness may also be covered by Medicare Part D. Consult your insurance company.

Answer: If you are just on Medicare A and B you will pay 20% of all medicare covered services. Medicare A and B alone has no maximum out of pocket limit.

Answer: Go to Medicare.gov or call 1-800-medicare. A Medicare Insurance agent may be able to help you but as of 2026 we are limited when it comes to prescriptions.

Answer: You need a prescription from your doctor for durable medical equipment (DME). Then your cost will depend on the Medicare Insurance you are enrolled in.

Answer: There is a lot to know and consider before choosing a Medicare Insurance plan to fit you and your personal needs. A Medicare Agent has extensive training and completed many certifications to serve the public at their best interest.

Don’t risk this very important decision to luck. Seek out a Medicare Agent.