Craig Livers, Medicare Insurance Broker

Answer: Most carriers require the name of a primary care physician to be put on your application for enrollment. For those carriers that do not require this, a PCP would be auto assigned to you.

Answer: Enrollment into Medicare parts B and D must be within specific time periods or you will pay a penalty.

Answer: Once you have met your annual deductible the cost for your emergency room visit will be covered. For 2026 the annual deductible is $283.00

Answer: Medicare does not offer gym memberships. Some Medicare advantage plans and supplements include gym membership as an additional benefit.

Answer: Did you enroll in the plan yourself or did an agent help you? If you enrolled yourself then you did not read enough about the dental benefits to understand what was covered. If an agent helped you enroll he or she should have explained the dental benefit in more detail and he or she did you a disservice.

Make sure to use a local agent that you trust when making any Medicare plan decisions. You may be eligible for a special enrollment period (SEP) to change plans.

Answer: Find a local agent or broker that is licensed and knowledgeable of many different plan options. He:she will help you find the plan that best fits your needs and budget.

Answer: Each persons needs arei different and there are many reasons why you may want to change plans. Examples include: your doctor not being in the provider betwork, rising costs of prescription medications, dental, vision and hearing coverage and icopays for doctor visits and hospital stays.

Due to the wide variety of plan options you should review your plan benefits annually during the open enrollment season.

Answer: I specialize in helping people that are new to Medicare. I speak in plain simple English and will make sure all of your questions are answered. Once you have enrolled in Medicare, then I will assist you in selecting the most appropriate Medicare plan that fits your needs.

After the enrollment I will always be available to answer questions, assist with any problems that may arise and show you new plans year after year.

Answer: A local. Licensed agent will, in most cases be more knowledgeable about the plans available in your area. Having someone in your back pocket like me will mean better customer service and sone that always responds to questions and phone calls when needed.

Answer: Due to Inflation Reduction Act, you out-of-pocket maximum expense for prescription medications in 2025 is capped at $2000. In 2026, your maximum out-of-pocket expense will be $2100.

Answer: I enjoy guiding seniors through the Medicare maze so they can enjoy their golden years instead of stressing about the details.

I take great pleasure in utilizing my 18 years of experience to find the plan that best fits your needs!