Comfort Olude, Medicare Insurance Broker

Answer: Please take a moment to reflect on your health needs. Do you visit your doctor frequently? Are you on any medications? By understanding what you need, you can pick the right plan. For instance, if you find yourself at the doctor's office more than you'd like, a plan with lower co-pay might be your best option.

Answer: You have a seven-month window to enroll in Medicare, starting three months before you turn 65 and ending three months after your birthday month.

Missing this window can lead to penalties or delayed coverage.

Answer: The bloodwork is included in your Medigap plan C under the Part B benefits.

The plan C covers 100% of your Part B coinsurance or copayment.

Answer: Annual Enrollment Period (AEP), this is also referred to as the " Open Enrollment" occurs from October 15th through December 7. This is the period that you can switch from a Medicare Advantage, return to the Original Medicare and enroll in a supplemental/Medigap plan.

Answer: Basic Original Medicare by itself covers Part A (hospital stays) and Part B

( doctor visits). You usually pay a monthly Part B premium, which is paid by Social Security Administration from your benefits, and you must meet yearly deductibles. Original Medicare will then cover 80% of the approved amount, and you're responsible for the remaining 20% of the cost of care. There is no limit to your out-of-pocket cost each year. You may need a supplemental insurance plan to cover 20% of the cost of care and prescription drug coverage.

Medicare Advantage plans are more comprehensive plans that support your entire well-being, so you can live a better, healthier life. You usually pay a monthly Part B premium, which is paid by Social Security from your benefits.

In one package, it gives you Part A and Part B coverage, plus Part C coverage.

Many plans also include Part D prescription drug coverage. It has limited out-of-pocket cost, It has more predictable co-pays, and a cap to your yearly out-of-pocket expenses.

Answer: Yes, you are eligible for a Special Enrollment Period if you lose

employer-sponsored health coverage.

You are eligible for an 8-month Special Enrollment Period to enroll in Medicare Part B, or to make changes to your Medicare Advantage or Part D plan.

Answer: Medicare Advantage plans typically require that you stay and get your healthcare within a network of providers, and it has a potentially higher cost for out-of-network care. Meanwhile, with Medigap, you can see any doctor or hospital that accepts Medicare.

Answer: The Original Medicare ( Part A and Part B) only covers part of your healthcare costs. Beneficiaries must enroll in supplemental insurance plans to cover prescription drug costs, deductibles, co-pays, co-insurance, and the lack of a yearly out-of-pocket limit.

The coverage gaps include prescription drug coverage, you can enroll in a stand-alone Part D drug plan.

Other gaps are routine vision, dental, and hearing. Consider enrolling in a Medicare Advantage plan. These plans are an alternative way to get the Original

Medicare, Part A, Part B, and additional benefits.

Answer: Overnight stay in hospital can be classified into two statuses (Inpatient and outpatient admission). If your doctor ordered that you need to be admitted to the hospital as an inpatient for medical care overnight, Medicare Part A will cover the cost of your hospital stay, including drugs, accomodation and meals for the first 60 days after you meet your Part A deductible which is $1,676.00 in 2025, for each benefit period. You will also pay coinsurance for days 61-90 of each benefit period.

If your doctor ordered that you be admitted as an outpatient for observation only, overnight, Medicare Part B will cover the costs, not Part A.

Answer: Some Medicare Advantage plans cover worldwide emergency and urgent services, which are subject to a $50,000 maximum plan coverage with a $140 co-pay, on average. The co-pay is not waived if admitted to the hospital for worldwide needed services.

Answer: The Medicare Annual Enrollment Period is October 15 - December 7.

a) You can join, switch, or drop a Medicare Advantage Part C or Medicare Part D

prescription drug plan.

b) You can switch from Original Medicare Part A & B to a Medicare Advantage plan, or vice versa.

c) You can switch from one Medicare Advantage plan to another.

The Medicare Advantage Open Enrollment Period is January 1 - March 31.

a) It is available to Medicare Advantage plan members only during the period.

b) You can switch to a different Medicare Advantage plan or return to Original Medicare Part A & B.

c) You can enroll in a stand-alone Part D prescription drug plan if returning to

Original Medicare.

d) Just one coverage change is allowed.

Answer: Original Medicare does not cover routine eye exams for glasses or contact lenses. Medicare Part B may cover certain eye exams related to the diagnosis of glaucoma, diabetic retinopathy, and cataract surgery.

Medicare Advantage plans (Part C) may offer additional vision coverage, including eye exams or glasses, but you'll likely have a deductible/coinsurance out-of-pocket payment.

Answer: Basic Original Medicare by itself is just a starting point. It covers doctor visits and hospital stays. You usually pay a monthly Part B premium and must meet yearly deductibles. Original Medicare will then cover 80% of the approved amount, and you're responsible for the remaining 20% of the cost of your care. There is no limit to your out-of-pocket costs each year. Enrolling in a supplement plan is advisable if you want to keep your Original Medicare to cover your share of costs.

Medicare Advantage helps you control costs. The plans support your entire well-being so you can live a better, healthier life. In one package, the plans give you Part A and Part B coverage, plus Part C coverage, and many of them also include Part D prescription drug coverage and other benefits. The plans have limited out-of-pocket costs, more predictable co-pays, and a cap on your yearly out-of-pocket expenses.