Cindy Clonts, Medicare Insurance Agent

Answer: I love listening to clients and finding their unique situation and what works best for them. Every person is unique, even if you are married your needs may be different from your spouses needs or your best friend's needs.

Answer: Not during AEP. During this period you would have to answer underwriting questions any time you are outside of your initial 6 month, new to Medicare period.

Answer: Yes, you automatically get Medicare if you are on Social Security disability after 2 years or you are turning 65. There is nothing you need to do.

Answer: You should always review your plan every year. 2025 had a lot of part D changes and so everyone needs a review especially in 2025.

Answer: You may have had a household discount with a Medicare Supplement. When that person passes away, you no longer qualify for the discount unless another adult is living with you. Different companies have different age requirements. Some are 18 and some require a 50+ year old to live with you.

Answer: This is our job, we work with hundreds of people each year and seasoned agents that do this full time can be an invaluable resource. We study each year to pass the Medicare exam. Then we have to pass each carriers exam. It's not easy! We do the studying so you don't have to.

Answer: You may qualify for "extra help" or Medicaid if you are below the federal poverty limit. We can help you fill out an application.

Answer: You can try to get a formulary exception, check GoodRX or apply for a Grant. There are also a lot of discount programs and websites for needy individuals.

Answer: I can! Watch my video. It explains parts A, B, C & D. It also explains the 2 most popular supplement plans: G&N. My video walks you through how to sign up, what it will cost, what it covers and more importantly what Medicare doesn't cover.

Answer: If you are on Social Security disability you will automatically qualify for Medicare after 2 years. Also, if you have End Stage Renal Disease or Lou Gehrig's disease (ALS).

Answer: No, your Medicare Advantage card is primary. Medicare Advantage actually combines A&B into part C and many times has part D included as well.

Answer: I think some people may not understand all of the costs that you pay when you receive services. Most of the plans cost $0 or a little on the front end but it is pay as you go with a maximum limit. Some people don't like that. They just want to pay up front and not worry about costs when they go to the doctor.