Christopher Orr, Medicare Insurance Broker

Answer: Local brokers know the networks better and you have someone you can depend on to help you with any changes and plan swaps if needed because of a doctor or prescription changes that you can reach

Answer: I do it everyday thru our innovative program that looks your doctors and prescripts up before enrolling ranking plan choices for your review with agent recommendations

Answer: That they can get any plan choice at initial eligibilty but afterwards in lot cases must qualify. And there are penalties in delaying choice

Answer: That you must draw social security inorder to have Medicare or that you can always delay part b if have group coverage without penalities

Answer: Working with unseasoned telesales agent or trying to decide theirselves without local seasoned broker

Answer: They offer safe money strategies where the Seniors won't loose any of their hard earned savings while giving opportunity for some growth offsetting inflation.

Answer: Are you already drawing social security, because if so it's automatic. If no, you must call Social Security 800 772 1213 or go online, www.socialsecurity.gov and create a logon and apply.

Answer: They do pay more commission, but they are also more stable in price for yearly renewals and offer more value covering drugs, dental, vision, hearing, and workout membership in one plan versus supplements...too

Answer: You only have a open /guarantee option when you first come on medicare or if later when coming off group coverage...

Answer: Apply for your Part B thru Social Security, they may give you a form to take to employer to comply and show how creditable your group health drug coverage was post 65 . That form will go back to social security with part B application.

Answer: If your Medicare approves the procedure, it will be covered on an outpatient basis. You will be responsible for a $257 deductible and 20% of the cost. If you have a supplemental plan, it will cover the 20%. If you opt for a Medicare Advantage plan, it will cover all costs, subject to your outpatient copay, which typically ranges from $100 to $300 for most Tennessee plans.

Answer: if you dont have credible coverage , yes you will be penalized for not starting your part b medical. and if you employer size is under 20 employees you must start you medicare part b at 65. most cases medicare parts A & B active with supplmentary would be cheaper than group.