Christie Bondos, Medicare Insurance Broker

Answer: If the employer has over 20 full time employees and the coverage is creditable and meaning it meets the standard coverage model of Medicare, and the employee is still employed full time they may delay Part B. Good rule of thumb is to check with their HR to ensure they still have coverage through their Group Plan. If the Employer wants them off the plan it's time to explore other options and take Medicare.. I always tell people to compare benefits and coverages with what you're paying now along with all dr's and prescriptions

Answer: I love educating and providing guidance to beneficiaries so they understand their options and plan choices. I build relationships with all my clients and they have access to me when their problems arise

Answer: Every year the coverages can change therefore it's important to review your Annual Notice of Change from your insurance company. This comes in September before Annual Enrollment Period from 10/15-12/7 for the upcoming Jan 1st benefit period. Working with a trusted agent who isn't too busy to answer questions is helpful

Answer: If you're eligible for Medicare when you turn 65 and don't have employer or spousal employer coverage you can face penalties. There are rules for creditable coverage which state the current plan must have over 20 full time employees and meet the standard model of coverage that is comparable to Medicare coverage. IF you're still working and not going to take Part B or D because your coverage meets the criteria you should be alright. You also have Initial Coverage Enrollment Periods that begin the 3 months before your birthday, the month of, and 3 months after. There is more to this so consult with a licensed agent who can educate you more also you can go on Medicare.Gov and look up Enrollment Periods and penalties

Answer: The IRMAA Look back period is 2 years from the year we are in so for 2025 it's 2023. You should also consult with your Accountant for more information pertaining to your particular situation.

Answer: Some states have a Guaranteed Issue for Pre-existing Conditions while others do not. You should consult with an Agent who is versed on these particulars in your state.

Answer: Dual Special Needs Plans are for those individuals who qualify for Medicaid with the Medicare Savings Program and have different levels of Low Income Subsidy Needs. In Ct the beneficiary will receive a Gray Connect Card which has their Client ID. This works with the Dual Special Needs Plans to cover their medical needs and offer zero copayments and a wider network of Medicare/Medicaid Providers for the insured. They also have enhanced Ancillary benefits for Dental, Vision, Hearing, and Value Added Benefits. Well seasoned agents work with you to see if you qualify by applying to DSS and then which plan is the best fit according to your dr's and medications..

Answer: It's not and I'm glad you didn't take the bait.. Agents shouldn't promise folks anything based on a phone call. IF you're interested in Value Added benefits you can contact an agent for more information. Don't ever give any personal identifying information over the phone to a stranger.

Answer: It's simple most people will pay the Part B Premium right out of their Social Security or receive a quarterly bill for $185.00. When reviewing a plan there are many copayments, deductibles, and coinsurances within the plan. IT must be reviewed in it's entirety!!

Answer: In my opinion, if you choose a plan with a limited network of providers and pharmacies or it doesn't cover all your drugs it's a disadvantage. Never, ever choose a plan "just based on Ancillary benefits like Dental, Vision, Hearing, or a certain Gym Membership benefit. Some people get caught up in a Food Allowance for example and forget this is a Medical Plan. Know what your medical and prescription needs are first.. A PPO network is always advantageous as well.

Answer: One has nothing to do with the other, Medicare is health the here and now.. Life insurance is for your beneficiaries when you pass away.. More Life Insurance Plans today have riders for Critical Illness, some LTC benefits but they are separate plans. Take care of your health the best you can so your Life insurance beneficiaries won't cash in earlier than expected..

Answer: People will regret not working with a trusted agent to understand exactly when they need to sign up for a plan. Don't compare your personal specifics with your neighbors, family members, or friends. Go to a seminar listen to the experts not others, so you sign up on time and have accurate choices for you!! Also if you owe the IRMAA charge make sure you pay it with the Part B premium stay vigilant with any provider or drug formulary changes.