Corey Bennett, Medicare Insurance Broker

Answer: Yes, you can switch to an Illinois Medicare Advantage plan (if you live in Illinois) that offers better prescription drug coverage, as long as you qualify for a plan and enroll during an allowed enrollment period. Compare plans to see which ones cover your medications, what your copays will be, and whether your preferred pharmacy is in the network. You can also contact Illinois SHIP for free, unbiased help finding a plan that fits your needs and budget.

Answer: Yes, you can lose your Medicare coverage if you fall behind on your premiums and don’t pay them by the deadline. Medicare usually gives you a grace period to catch up on missed payments, but if you still don’t pay, your coverage could end. If you’re having trouble paying, contact Medicare or your Medicare plan as soon as possible to ask about payment options and avoid losing your benefits.

Answer: Yes, if your specialty drug is covered by your Part D plan, the 2025 changes will almost certainly reduce your annual costs because your out‑of‑pocket spending is now capped at $2,000.

Answer: When your MSA funds run out, you keep paying your medical costs out of pocket until you hit the plan’s deductible. The MSA deposit will help, but once it’s gone, you’re responsible for the rest until that big deductible is met.

Answer: Yes, Medicare does cover PCSK9 inhibitors like Repatha and Praluent, but only under Part D or a Medicare Advantage plan with drug coverage, and the plan has to list them on its formulary. Most plans require prior authorization, and your copay can vary a lot depending on the plan.

Answer: Yes, it’s often worth paying more if you take several meds or have expensive prescriptions. A cheaper Part D plan can look good upfront, but higher copays, gaps in the formulary, or stricter rules can end up costing you more over the year.

Answer: Yes, you will pay the Medicare Part B premium when you turn 65, unless you are still eligible for the Medicare Savings Program.

Answer: A Medicare MSA lets you use tax‑free money for medical costs, usually comes with a low or zero premium, and gives you freedom to choose your providers. On the downside, it has a high deductible, doesn’t include drug coverage, and can get expensive if you need regular or ongoing care.

Answer: You can cancel Medicare, but you have to do it directly through Social Security. To cancel Part A or Part B, you have to submit a signed form and talk with Social Security so they can process it. For Part D or a Medicare Advantage plan, you can disenroll during certain periods.

Answer: Yes, you can collect Social Security without signing up for Medicare, but only if you’re under 65. Once you turn 65, the rules change. If you’re already receiving Social Security at that point, you’re automatically enrolled in Medicare Part A.

Answer: Yes, the 20‑employee rule still applies. Your church counts all employees, not just the ones eligible for insurance.

Answer: No, Medicare doesn’t cover LASIK. It’s considered an elective procedure, not medically necessary, so Original Medicare and most Medicare Advantage plans won’t pay for it.

Answer: Working with a Medicare agent simply makes the whole process easier. I look at your doctors, prescriptions, and budget to match you with the plan that actually fits you, not whatever looks good on paper. I also help you avoid surprise costs, make sure your enrollment is done correctly, and step in when billing or claim issues pop up. You get ongoing support, yearly plan reviews, and someone who knows which providers work with which plans.