Cynthia Haworth, Medicare Insurance Agent

Answer: That is why I ask up front for a list of all your prescriptions first, before switching anyone. I provide a print out of your prescriptions and explain it to you. Early in my career, I had a young lady on disability that qualified for Medicare and prescription drug plans. She had a liver transplant. I wanted a list of her prescriptions, but she was hesitant to provide them. She said she just wanted the cheapest drug plan and for me to do that one. I insisted on a list of her prescriptions. She gave them. I found that her most expensive prescription, which was her anti-rejection medication was NOT COVERED on our cheapest plan. Obviously, we went with the other plan. But a deadline for OPEN Enrollment was just days away. She would have been stuck with paying out of pocket for that expensive drug all year. Use a knowledgeable agent!!!

Answer: Yes. There are. Both Medicare Supplements and Medicare Advantage plans allow you travel and cover in emergency situations. However, one is better for living in 2 locations and foreign travel.

Answer: Call me, a licensed agent, so I can educate and answer all your questions. Most seniors want to know if their Doctors are covered and what their prescription drug costs are. Each plan might be different, so I provide print outs on these costs and factors. Then we can also go into the cost of plans and what they cover. I provide brochures and catalogs and we go over line item by line item, so you will know which plan is best for you.

Answer: I like to tell clients that I want at least an hour of your time and more to answer your questions. I need as much time as you spend each year planning your vacation. But this may be a lifetime decision. With catalogs in person or sent email, I go over what Medicare covers. What Part A covers and what Part B covers. Then I show the difference in a Medicare Supplements and Medicare Advantage plans. You will have catalogs and brochures to refer to. After I enroll a client, they can call, text, or email me any time with questions or problems. I can help them find new Specialists, Doctors, and/or Dentists. Or I can look up a new prescription for the costs.

Answer: All the plans that I sell, Medicare Supplements and Medicare Advantage plans include virtual visits for $0. However, if you are wanting Mental Health virtual visits, it might be $25, depending if it is group or individual.

Answer: That is a very good question. Some companies do not allow individuals on their private insurance past 65, other companies will allow it. But I always ask the question, "What are you paying now for employer insurance." Sometimes, but not too often is it less than Medicare plans. We have $0 monthly premium Advantage plans. Call me and I will give you details.

Answer: Contact me, a licensed agent, and I will compare plans in your area and do all the paperwork for you. I would need a list of all your Doctors, Specialists, and Dentist to see if they are in networks in your area on each plan I recommend. I would also need a list of your prescriptions with dosage and how often you take each one. I will provide a print out of all your prescriptions for your review.

Answer: A good licensed agent has access to ALL prescription drug costs. I always give print outs of costs before enrolling a client and show which plan is more cost efficient. That way, there are no surprises.

Answer: Private Insurers need larger networks and pools of Doctors, which include Primary Care, Specialists in all fields, Mental Health Professionals, Chiropractors, Dentists, Audiologists, etc.

Answer: A Medicare Supplement is best for domestic and foreign travel. It includes $50,000 foreign travel on Plans F, G, & N.

Answer: That is an incorrect statement. Not all Doctors accept regular Medicare or Medicare Supplements. Our Doctor only accepts Advantage Plans!!!

Answer: Because We know the answers to the questions. We have the experience & knowledge for complicated situations. We know all the Special Election Periods.