Daniel Brechin, Medicare Insurance Agent

Answer: No, there is not, or at least one exists in the 30 States I am licensed in. That is why Medicare Supplements members have a great price ex 200.00 premium plus a 65.00 dollar prescription program. Each will increase by 8-10% increase based on the company's cost.

Daniel Brechin

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Answer: The Idea of a PPO program is to allow you to use Doctors and Hospitals in the network and out of the network. However, the increase in the cost of network services is sometimes not explained fully. When I sell a PPO plan, I make sure all of the Doctors and Hospitals are in network for the plan. The Out-of-Network services need to be on a need-based basis.

Danny Brechin

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Answer: Most plans will pay a fixed amount when you are out of the United States of America and it's territories. Most pay a fixed amount to stabilize you and Air Flight home. Most cover 50,000 one time event.

Answer: Does Medicare cover extended care and memory impaired patients. The answer is no. Medicare will cover medical treatment, But does not cover room and. Board

Answer: Yes, you should be able to enroll. There are two questions: Do you have Medicare Part A and Part B? Do you have an election event to make a change?

At Age 65, you have an enrollment period that will run 3 months before the month of your Birthday. The month of your Birthday and 3 Months prior you will have an election to enroll in Medicare.

Danny Brechin

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Answer: There are times you cannot change plans, if you have an enrollment period, you should be able to do that..

Daniel Brechin

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Answer: You should not pay the agent anything. It is not proper to do that and all Medicare Agent should know that.

Danny Brechin

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Answer: Hello

You may change Medicare Advantage plans during the fall enrollment. It runs from Oct 15 to Dec 7 every year. You may make a change from January 1 to March 31. You are locked in the remaining year. There may be exceptions. Such a move from One State to another state. Or. If you are aging in, you have 7months to enroll.

90 days prior to the month of birth and 90days after that month.

If you have any questions, please contact me.

Daniel Brechin

Answer: Yes she may help with the program and if she has a POA. Can enroll dad in the program. However, you must have a POA authorization to enable that if unavailable to sign himself.

Answer: You may Join a PDP plane the same as Medicare Advantage and Supplements. You have 7 months to enroll. You have 90 days prior to the month of your birth. and 90days after your birth.

Answer: Medicare Supplements Vary in cost. At age 65 anywhere between 89.00-110 per month. Some are age adjusted and may take a percentage increase annually. I have had seniors in the 75-80 paying 500-600 per month. This is only part A&B. Additional you will have to purchase a prescription drug program that will start 25-40 per month and also will increase about like the supplement. I personally have a Medicare Advantage plan. $0 monthly and includes prescriptions and other benefits. It matters not to me I will tell you the good and bad of both.

Thank You

Danny Brechin

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Answer: Good Afternoon

I am Danny Brechin, I have been doing Medicare program and Supplements since 1996. I answer questions without trying to sell. I only do what you ask for and explain it.

Danny Brechin

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Answer: Wellness should be free and most plans pay you to do it. Call your plan and ask about it. It will vary slightly from plan to plan

Answer: You will be fine your Medicare in the islands is the same. However, I don't know when you will do this you may need to change plans for your Medicare. To get a local plan. If you are on a supplement ck around you may fine or is more expensive for a different Supplement

Answer: The problem is the actor is an actor. Remember they are being paid to represent that company. The easy thing is that an Insurance Agent is licensed and tested every year. They can loose their license for lying.

Answer: Annually Medicare programs including supplemental programs and prescription programs are adjusted annually. Plans have to put this out to Congress the prior year. So, plans have to be approved annually at the prior year for the future plan.

Answer: I get paid for what I sell. I received about 25.00 per person per month.

Supplement programs are also paid the same way.

Answer: By all means yes. I many times tell customers that they may invite anyone to the meeting. I find it helps ensure the customer to feel free to ask questions.

Answer: That will be a decision up to the company you want to sign with. Most likely will be denied. For example Oct 15- Dec 7 If you were in the hospital for some time and unable to make decisions you might could. However Jan 1 begins the next enrollment period.

Answer: You may call Medicare and they have a department that will handle that problem.

You can also contact your current program and ask to speak to the Compliance officer that handles Medicare complaint.

Answer: Very first what do you like or dislike the program you are currently on

Once established I try to offer that family a program that fits their needs.

Answer: Medicare supplements nearly all take a 5-8% increase annually. There is only 1 that does not do that, but it is written like all a attained age. However, if you come in at age 65 the increases are less than using aged in over 65.

A. A supplement has a fixed price that increases generally increases annually.

A Medicare Advantage will cost you less over the years.

Answer: It is too late to change during the Annual election period. You will have an additional period to change beginning on January 1-March 31. You will have an election.

Answer: The penalities for Medicare part D. Is 1% if when the senior does not take out a part D program. Your part A will be automatically assigned to you. Seniors have an option to wait to take out Part B and or drug program.

Answer: Yes, bone density are covered by Medicare and all Medicare Advantage and supplemental programs

No Problem

Answer: No, you will not be allowed to have a selection of Dr with a HMO program. If you have a such a Devoted covers all of your Drs. You will have a cost at a network Dr. If you go to a out of Network Dr. You will pay a higher-copay

Answer: No, Medicare and other programs such a Medicare Advantage plans and supplemental policy should cover that.

Answer: It depends. As an agent I call or try to everyone my clients to answer any questions. I am always at phone call to help. However, there will be something

That I cannot control and you will have to call the Insurance company

Answer: As of last year the donut hole is eliminated. PDP programs in 2025 had a 2000 cap. You will pay Deductable then pay copays untill you reach 2000 out of pocket. In 2026 the deductible then copays till you have spent 2100.

Answer: ANOC is sent by the company once you have been approved. Each company will at that time completely enroll and send you an acceptance letter with your card.

Answer: Agents work for the client. That means each Medicare member needs the correct program. If you call xyz insurance they only sell one company.

As an agent I represent several different plans. All have the basics but, 1 will have a good plan and another will provide additional benefits not covered by insurance company.

Answer: Yes you may change AEP decision in Jan, Feb and March. During oep. It runs from Jan 1-Mar 31. Might want to ck with your Dr as to why he took you off that Medicine.

Answer: Cataract surgery is covered by all Medicare programs. Medicare will cover additional glasses or lenses

Answer: Standard forgot most testing. However, if needed your Dr can request additional procedures. This is on both MA plans and supplemental programs.

Answer: Yes, most on a same day surgery. It is covered by supplement and Medicare Advantage plans. Recovery is also covered for rehab a joint or procedurer.

Answer: There are many items covered by Medicare Advantage plans that are not covered by Medicare and a Supplement.

Dental treatment and up to 2000k.

Eye glasses or contacts.

Over the counter quarterly and some times monthly.

And others items not on Medicare or supplements.

Answer: When you need to call a Dr. Or Dentist.

You need to call the company you have insurance with and have them find someone and tell you the location.

Answer: If you only have Medicare, there are strick formats for all procedures. A Supplement does only pay when approved by Medicare.

A Medicare Advantage plan receives money from Medicare and is solely responsible for the treatment you receive. Medicare Advantage cover many things that are not covered by Medicare

Answer: Indian Health services will take care of anything there in your local area. With Medicare you will be covered in the USA for emergency problems. If you travel a Medicare Advantage plan might be a good program for additional code.

Answer: Yes, a knee replacement will cover your Knee replacement. Today generally it is a same day surgery. You will have therapy following that.

Answer: When you turn 65 you will have a enrollment period that starts 3 months prior to your turning 65, the month you turn 65 and three months after your birth month. If you decide that you still want to work, you will need to reject your part B .

When you decide you are ready to get your part B you Just need to notify Medicare and You will have 90 days to enroll in Part B.

The Bart B should began the month you lose your healthcare from your employer.

Answer: Medicare advantage plans are all very strictly adhere to the Medicare rules. The most responsible part an agent does is assist possible members to understand how their program works. They all work the same way, but some are better than others. I represent the top 5 companies in 7 State.

Answer: Medicare does cover both of those. Your Dr will give you all of your options. Both supplements and Advantage plans cover all of that and some Medicare Advantage plans will help with transportation to take you back and fourth

Answer: That is a tossup both will cover your treatment. A Medicare Advantage plan will cover that also. In addition you may also have assistance with transportation for you and a friend to be taken back and fourth to the treatments.

Answer: You always have a choice. Medicare Advantage cover everything that is covered by Supplements. In addition they cover eyeglasses, excerise programs, some cover transportation back and fourth to the Drs. The biggest thing many today pay your part B premium up to 185.00 dollars per month back to you. With Medicare Advantage plans you will have a copay for most everything. There is a cap that run around 5000k. It does not say that is what you will, but a limit on how much you will spend in a given year.

Generally, Medicare supplements increase every year. I have rewritten seniors that are paying $500-600 per month. These folks are paying a lot for something that can be obtained at no cost for you.

Answer: There is not 1 program. Not 1 that is the right program for any one person. Medicare supplements and Prescription drugs programs. Cover Medicare and prescriptions. However, at the end of 15years or so the 85.00 supplement and a 30 dollar PDP. Will increase and at the price will increase every year.

Medicare Advantage plans developed in 1996 developed by Insurance companies and provide items that are needed but, not covered by Medicare. Some of those are eye glasses, transportation, and many other items. And they do not have a premium. You will have co-pays for what you do. With a max out of cost to limit your out of pocket cost.

Answer: Medicare was never intended to be the only coverage for your insurance. Medicare A&B were set to be alone when first developed. However, Medicare supplement programs were developed to supplement the part A &B. So for a small premium the supplement company cover to part A and Part B. In 1995 Medicare Advantage plans came about. They received money from Medicare. This was done by having a 0 premium and a max out of pocket that were 2000.00. The best thing about would be your cost was what you needed.

Answer: This would be a good time to ask questions to your agent and to your employer. Compare whick works out better. If, you are planning to work for the employee till 70 then keep your employer group insurance.

Answer: There could be several reasons you and your friend may have different programs.

He may have a Medicare Advantage plan. Most have no monthly premiums and many refund 185.00 of your part B premium. You apparently have a supplement and pay a monthly premium and no co-pays or small copays.

Answer: It will depend on what program you have

With Medicare only you will have a 20%copay.

With a supplement depending on what you have could be 0 copay. Depending on which supplement you have.

With a Medicare Advantage you will have a copay to pay.

Answer: With a plan F you may have a 50 dollar copay at the emergency room. Today a plan F is no longer as of 2023. A plan Gis it's replacement.

Answer: Yes I try to reach out to meet with my clients every year. For two reasons.

One to make sure they are happy with the

Program they are currently in. Two, if there is a better program. Show it to them.

Answer: Medicare agents get paid by the application I turn in. There is no charge to answer all of the questions you want to ask

Answer: Yes we are paid by each program we are contracted with. That is how we make a living.

Agents spend out of their pocket to contact Medicare recipients.

Answer: With Medicare you will have a 20%co-pay after a surgery.

If you have a Medicare supplement then you may have a deductible and after that 100%. If no Ded 100%

Medicare advantage you will have per day copay depending on your plan.

Answer: Most certainly. Your Medicare programs and supplements will cover you for any emergency in the USA. In addition there is 50000 dollars with supplements and with Medicare Advantage programs.

Answer: Yes, I personally help low-income seniors to obtain assistance. with their state to qualify for additional help. I can move that person into a great program with low income,

Answer: Medicare advantage plans are a very good program. Most have a zero monthly and many will pay your part b up to 185.00 per month returned to you. You will have copays for what you do and have a cap on your out of Pocket. There is a max out of pocket if you have a bad year. I personally use my 185.00 per month in a saving account and pay co-pays.

Answer: I really does not matter. Medicare is set up for individuals.

each person receives a separate Medicare Identification. Now as far as income adjustments upon the death of one Husband or wife, the remaining survivor may draw off his or her social security if it is more than the survivor.

Answer: Guaranteed Issue with Medicare supplements are for people turning 65.

Only that. Changing to another Medicare supplement you must answer health questions.

Answer: Your Medical should be good. I am not familiar with NY rules. The thing you need to call your plans company that wrote it

Answer: Depends on what was done. Yes Medicare can help on certain situations.

Many of the time if going on Hospice there will be Nurses to help.

Answer: I discuss this with people for 26 years. Yes, you can purchase a Medicare supplement. You can purchase a Prescription Drug program. You will pay from 150-200 per month for that at a minimum

You can let me help you join a Medicare Advantage plan for $0 dollars or there are programs that pay you back your part B up to $185 every month.. You will have copays that you pay for everything you do. With a cap for the year if you have a bad year. MAPD plan covers everything you get with supplements.. I also covers emergency over seas for emergency troubles and bring you back home.

Answer: OTC or Over the counter drugs are just what it says. OTC are aspirin, antacids, urinary pads and many more provided only by Medicare Advantage plans.

Medicare Advantae plans generally have a no or low monthly Premium. Also, most MAPD plans have limits on annual expense.

Answer: Medicare appeals can take up to a year. Medicare advantage programs. Generally handle in 60-90 days.

Answer: CMS is controlled by the Federal Administration. Democrats will not attempt to do that. Seniors on Medicare will not be cut off.

Answer: Yes telemedicine is covered in most plans. Medicare Advantage plans cover it. Medicare Advantage plans have covered this for years.

Answer: These are not covered by Supplements. However, those would be covered in the Hospital for defined period and with the proper authority. It will not be covered at home. Medicare Advantage plans generally do cover under home benefits.

Answer: Medicare and supplement programs do not these supplements you have ask about. Medicare Advantage sometimes do cover them in the over the county programs.

Answer: It will not effect your ability to join a MA plan in Your area. The period will be from Oct 15-Dec 7. It will be effective on Jan 1.

If you didn't have a prescription drug program you may have a penality for not taking a PDP program.

Answer: Yes, Medicare Supplements will cover out pockets after your Medicare has paid. Let's say have a Medicare procedure. Medicare will pay their part and the supplement will pay the remaining amount.

Answer: Medicare part B has a 20% copay for everything and no caps on expenses. With a Medicare Advantage plan you will have specific cost points and a cap on your out of pocket cost.

Answer: Yes,Medicare parts A&B will cover Hospital services and Physicians.

You will have a 20%copay for procedures you will have. Example if the Dr visit of 100.00. You will owe 20.00

If you have a surgical procedure and in the Hospital 3 days. You could easily have a bill of 100k + 20% =20,000 dollars. That is covered by a Supplement or a Medicare Advantage plan. So, if you have only Medicare you have high copays and no cap on what you will owe.

Daniel Brechin

Answer: The children need to be invited to the presentation if the parents have any trouble making decision or have a lack of ability to understand what is going on. I have actually stopped a presentation and spoke to senior who seem to be unable to understand fully what I am explaining.

Always, keep your prospect attention and

Always. DO NO Harm.

Answer: Yes you can change from a Medicare Advantage plan to a supplement plan and it will be effective on Jan 1 of the following year

Answer: You should receive your Medicare card from Social Security 90 days prior to the month you will be eligible for Medicare.

You are not supposed receive a call from someone licensed with a Medicare Program. I encourage everyone not to work with these criminals. You must have ask for his call.

Answer: I do not believe there is a trap in Medicare Advantage plans. You have a choice when you go on your Medicare. You need to reach out to an agent like myself that handle both for you to review. I show people how everything works and the food and bad for all of it.

Danny Brechin

Answer: No, you should have been told during your enrollment not to carry your paper Medicare card with your account# and dates of information. You will not need it. Services are only handled by your MA plan.

Danny Brechin

Answer: No. There is only one way you can be disenrolled. 1. If there is a premium for the program you enrolled into you will be disenrolled 90 days after your last premium. I have found that if there are changes in your financial situation. They may be able to help. Always,if there are financial problems contact your company.

Answer: Medicare begins either at age 65 or if they are eligible for Medicaid assistance. I spend a lot of time to help.

I have worked helping Seniors for 35+ years.

Answer: When you speak with me I first review your needs and assets. I work with people that are very low income and and many that are not. I can help low income people with state programs that are here and will help them obtain Low Income Assistance.

Answer: People are not leaving Medicare Advantage plans. Many people start off with supplements and change to Medicare Advantage plans Supplement plans start of around 100.00 per year and increase at 10+ % per year.

Answer: I recommend Medicare recipients look what they have and what is available to them on new programs. Plans all change annually. Plans run from Jan 1-Dec 31 of each year.

Answer: Emergency services are covered world wide for up to 50K. When you travel out of USA. You should purchase a travel policy that can be purchased for the length of time you will be out. This will be handled by travel companies.

Answer: Yes I encourage everyone to get preventative treatment as needed. Find a problem early and fix it. By doing this you will live healthier and longer.

Answer: You may qualify for low income substenty and your state may pay your part B deductible and your program will have low or no co-pays. I help a lot of people help with that.

Answer: When your procedure is being ask what your co-pays will be. Then call your insurance provider and ask your insurance company.

Answer: When you are speaking with a new agent he knows his information and most likely has one or two companies in his bag. He does not have the experience that agents with 5 or more years to help you understand how different plans work. Everyone has to start somewhere.

Answer: Having Just Medicare A&B and not getting a program to help with the medical cost is not a good thing. In the hospital part B which covers surgery, emergency services Part B Alone will cost 20% of the entire bill which could be thousands of dollars. Simple open heart surgery can be at a minimum of 20-100 thousand dollars. Please this is why Medicare programs help people.

Answer: The reason to get help from a Licensed Agent are simple. Now anyone can can sign up for anything. However, an agent will shop for what you need. Each program or supplement has draw backs. Letting an agent help you find the one that fits your particular needs. I have been assisting Medicare recipients since 1996. I have helped many make the correct answer about health care.

Answer: Talking about myself at 70 years old a having sold Medicare programs for 30+ years. When I started I could talk direct to a Dr. Today everything go through a portal. AI is growing everyday.

Answer: Treatment for illness is generally covered. Most are illness and accidents are covered. If it is covered by Medicare A&B. It will be covered by supplement programs or Medicare Advantage programs

Answer: You can change your plan every year for AEP from Oct 15-Dec 7 of every year

OEP is from Jan 1-Mar 31 where you can make changes and the last in place is good until Dec 31.

Answer: Chronic pain medicine is limited to what you are having done. Chronic pain depending on what needs.

For example . Chronic pain for back and knees have great success.

Answer: Medicare systems are adjusted annually.

It is done about 18 months to 2 years prior to coming to the market.

Currently there are tiered levels in the prescription program

Answer: COPD and oxygen treatment are covered at 20%. If you have a supplemental program. If you have a Medicare Advantage plan you will have a 20% copay until you reach a cap.

Danny Brechin

Answer: VA benefits will always be there for our military retires. I recommend a Medicare advantage plan to go with VA Benefits. I have helped many military retires and those just using the VA. To combine with a Medicare advantage plan.. By doing that you have other options for healthcare and do not have to wait for an opening to go tho the VA.

Answer: There are Al lot of supplement programs. Bcbs, UnitedHealth care, HealthSpring and dozens of Medicare supplement programs. My problem with supplements I run across seniors who and in 80+. And now their supplement in 6-800 dollars a month. I have been doing Medicare for 36 years and eventually they change away from supplements unless they are very wealthy.

Answer: Part A covers hospital services but you will part B for Dr visits and a PDP part D to cover your drugs.

Danny Brechin

Answer: You need to speak with someone that has been helping people find a suitable program. Your choices is traditional Supplement and additional Medicare PDP. There will be a cost for each.

Your other option is a MA plan that includes a PDP. Speak with someone that has helped people and does not just put you there.

Danny Brechin

Answer: Medicare will care for your health care. However, Long Term care is only cover 20 days of skilled care with Medicare. If you require long term care that is a separate coverage. So the answer depends on what you are talking about

Answer: I have worked with Medicare recipients since 1996. First with UHC then Healthspring then Cigna. In 2018 I retired and started Daniel Brechin Agency. I represent top programs BCBSAL, HealthSpring, UnitedHealth Care, Viva. And numerous supplements. I let people know what is available to them, help low income recipe ta get extra help and thank everyone whether I enroll or not. Answering questions. Is what I Do.

Danny Brechin

Answer: No, it will not and is recommended to all seniors beginning in 2000. This has been part of Medicare programs for years.

Answer: Chiropractic services are limited on all Medicare programs. The coverage covers manipulation of the spine only. Depending on the program.

Answer: I am an agent, and I review my customers' programs annually. Ma plans change every year, and Medicare supplements increase 3-5% every year. Prescription Drug programs change every year. So, yes, please allow me to review what you have annually.

Danny Brechin

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Answer: I begin explaining that Medicare is a federal program. You have 4 important things you need to understand

Medicare A, you receive because you earned it through 40 quarters. Or if you pay the premium if you did not pay into Medicare. Part B, you will pay a premium for. Medicare Part D prescription drug programs generally have a monthly premium. Do your research on what is available in your area. If you have trouble and would like to contact me, I would be happy to explain what is available to you.

Danny Brechin

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Answer: Medicare at a glance is simple. A covered situation, you will owe 20% of the bill. With a supplement, it will pay for that 20%

A supplement will pay the 20% with a monthly premium. With a Medicare Advantage, you will have a copay.

Danny Brechin

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Answer: How does your current health plan cover you? Pretty much all medical services are provided by Medicare. However, there are some things that may be covered by group insurance. But, after 36 years of working with Medicare programs, I don't know what it is.

Danny Brechin

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Answer: No, they are generally not paid for by Medicare. However, some Medicare Advantage plans have them included in programs.

Answer: A SNP is a special program that either are low income or they have a disability problem. Each one needs to be looked at an help understand how they work

Answer: That is easy, Everything needs to be explained and how everything works.

Most agents today come in and are out in 30 min. I spend what ever time is required by you.

Answer: Any Name Brand should be listed with one of the companies and most will cover that. However, your Doctor, that dispensed that should be able to tell you who covers it. He would have received that from the Prescription company that published it.

Answer: Yes, I have trained many younger people who sell Medicare. I enforce in training that the customer comes firs,t regardless of the commissions. My first rule is do no Harm.

Danny Brechin

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Answer: Prescription Drug programs are designed to work with Medicare supplements. PDP plans vary from plan to plan. Most are similar in what the deductible and cost.

Daniel Brechin

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Answer: Yes, you can do that and will be able to enroll. If you are covered till

Dec 31, then we need to get you enrolled sometime between now and Dec 31. I represent BCBSAL and would be happy to help.

Danny Brechin

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Answer: That is entirely wrong. Medicare programs are for the living. Life Insurance is for your family to complete your wishes.. Death is the end of life, and Life insurance is for helping your family to continue on living.

Danny Brechin

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Answer: Medicare Advantage enrollment only has a guaranteed enrollment where you first go on Medicare A&B. If you have group insurance and work under that, and do not take part B. You will be issued without underwriting. However, if you go on a supplement ,then you will not be able to enroll in a supplemental program without underwriting.

Danny Brechin

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Answer: You can do that. If you want to wait until he retires, you can do that. Make sure you do not take your Part B. Part A will be assigned to you.

Danny Brechin

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Answer: Yes, Medicare programs will cover asthma and other breathing conditions.

It will be covered under part B.

Medicare Part B covers Doctor copays and most anything done in a doctor's office.

Danny Brechin

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Answer: I have been working with the Medicare letter soup, since 1996. I can help you with Medicare Supplement and PDP. Or a Medicare Advantage program.

Danny Brechin

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Answer: The three-day rule in Original Medicare is that before you can be moved into a skilled nursing facility, you must stay in the Hospital a minimum of 3 days to move into skilled Nursing.

However, in a Medicare Advantage plan , you must only stay 2 days.

Danny Brechin

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Answer: The only answer that I will give you is that we need to look them up to ensure you are in the correct program. Prescription Drug Programs are given a list of drugs they must cover. Any others may, but until I get the drug, I cannot tell you yes or no.

Danny Brechin

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Answer: I specifically work with family of ages Senior. That way the family also knows how the program works. I sell both Ma plans and supplemental programs and a PDP plan.

Answer: You are welcome to meet with anyone you want to meet with. You can change during AEP as many times as you would like to meet with. I had customers change and changed programs, only to call me back and re-enroll with me. I spend the time you need to understand your needs and match your needs with you and a plan.

Danny Brechin

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Answer: A minimum amount for people in Alabama where I live the one-way with my Insurance would be 250.00, The retail for someone without insurance can be 1500-2000 dollars

Answer: Always, the Medicare by the Federal administration will be behind. But, I believe it is getting better.

Answer: The biggest mistake is not sitting down with a Medicare Agent. The Agent has been trained to tell you all of the twist and various plans and how they work.

Answer: Yes, Medicare covers chiropractic services. Most MA plans cover it with a copay. Medicare supplement will cover also.

Answer: There are many Physicians that accept Medicare Advantage plans. I personally like MA plans and have been successful.

I have been selling MA plans since 1996. I enrolled my self in 2014. I did what I advise members to plan a savings amount and put in 150 per month in it and get a debit card for it to pay your co-pays.

Answer: Yes, Medicare will cover accessories for you. It includes accessories for handicap,

Disabled, Diabetic accessories. It also covers hospital beds at home. Many other items submitted to Medicare and insurance companies.

Answer: Life insurance is the answer for saving for your family. A Husband and Wife today both contribute to the household. If one passes and is no longer able to contribute to the costs of the Family home. To prevent this, I recommend that husbands and wives both purchase Life insurance to set up for the remaining spouse. I recommend at least 5 times the annual income. Ex: income 75000 annual x the number of your youngest till age 20.

If the remaining years.

If that child is 5 years old, then 75k*15=1,250,000. A twenty-year term will run. Around 50-75 dollars per month.

Please call me if I can help.

Danny Brechin

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Answer: Medicare is paid through Social Security. If you did not contribute to Social Security then you will not get it. However, contact Social Security and advise you would like to purchase Part A&B. It may be provided to you.

Answer: You should look at a Medicare Advantage plan. Most of the plans have a Dental program as well as other non-Medicare advantage items such as glasses. Some even give you money to purchase over-the-counter non-prescription items. These are things that are not covered under a Medicare Supplement.

Danny Brechin

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Answer: Yes, your procedure will still handle. Your cost will depend on the Medicare Supplement coverage. The plan is obligated to handle this cost.

Answer: Prescription drug companies plan prescriptions early. If for some reason your supplier does not have it locally. The medicine will be mailed to you for free shipping and you will pay your normal price for the medication.

Answer: Medicare part A covers Hospital care.

Medicare part B covers medical services by Doctors.

Medicare part D covered prescription Drugs.

Danny Brechin

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Answer: The answer is no. You do have an election if you want to make a change, and it will become effective on the first day of your birthday month date.

Danny Brechin

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Answer: Yes, plans can vary in different countries in each a state and in different states.

Danny Brechin

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Answer: You need to contact that you were enrolled in the prior State. If the policy transfers. As in a Medicare supplement and a PDP you will be ok. If you are in a MAPD program you must reenroll with the same company or with a local agent.

Answer: She will need to investigate that she sent the State Medicaid information in to affirm that the received it. Generally, once received the application will be processed in 15-20 Working days.

Answer: I expect as more Baby Boomers age into the system cost will have to change. However, Medicare Advantage programs change annually to compensate for that change. These

programs have changes and adding additional benefits. Medicare Supplements and PDP Plans

will continue rising 8-10% annually.

Answer: Billing issues should be handled through your Program. Either your Medicare supplement, or through your Medicare Advantage plan.

Answer: Simple Medicare deals only with Parts about Part AB&D. And until the PDP program came about, drugs were not covered. The additional benefits like exercise, food cards, help with transportation getting back and forth to the Dr are all benefits paid for you by Medicare Advantage plans

Danny Brechin

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Answer: Do not, speak to anyone who calls you that you have not given prior permission.

I am 70 years old and have worked in Medicare since 1996. Never has it been ok for an agent to contact without your permission.

Danny Brechin

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Answer: Yes, having an annual preventive appointment is free with most Medicare Advantage plans. By getting regular free checks the hope is to find out about problems at an early point as opposed finding the problem has advanced to more serious situations.

Answer: To avoid being locked into a program that you have enrolled in. There is help from January to March 31, you may make a second change during that time.

Danny Brechin

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Answer: That is the OOP for 2025.

The OOP for 2026 will be 2100.

When you reach the cap your drugs will be free for the remaining of the year

Danny Brechin

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Answer: The Reality is that a Medicare Advantage plan only misleads people by false agents and misleading ads.

A Medicare Advantage may have a monthly premium and may not, depending on the particular County in a state. Those that have zero monthly cost noes not mean free. It will have copays for items in the plan. Such ad Dr visits generally no cost or a small copay. Hospital stays have a daily copay. Everything covered by the plan will have a cost and an annual out-of-pocket maximum. They are not FREE.

Daniel S Brechin (Danny)

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Answer: You may go back to a Medicare Supplement during election periods.

I would ask these questions of

A Medicare supplement and PDP

Will my price go up every year?

Generally, a Med Supplement and PDP will increase by 4-5%.

For more questions, contact me.

Danny Brechin

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Answer: Your mother needs to speak with someone like me that review his plan and make sure all of her Drs and prescription drugs are covered.

Danny Brechin

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Answer: The results have caused an increased cost in prescription drug plans.

This year you may shop with me and I may be able to help

Danny Brechin

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Answer: Yes, your cholesterol medication will be covered under your program. However, there are a number of cholesterol medications. You need to call the plan you are in and find out. Sounds like you are on a Medicare Supplement plans for parts A&B. I would call your company that administers your plan.

As always, I am happy to help

Danny Brechin

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Answer: Medicare programs can only advertise the program they are offering. They cannot call you without your specific request for the Information. Unfortunately, there are enough that make illegal calls. Please, if you don't ask someone to call, do not speak with them.

If I can help you, please feel free to contact and ask questions.

Danny Brechin

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Helping seniors since 1996.

Answer: You are the only one who can make your decision. You need to research the goods and bads of both types. Your cost now and what it could be down the road.

I have been helping people understand what they need to do and how they work.

Please call me with questions

Danny Brechin

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Helping seniors since 1996.

Answer: First thing is you need to call someone to show you what you are eligible for. Second, talk to a licensed agent to find out what your choices are and get a long-term plan to cover your health care, which today can help you live to 90 years old or more.

I have been helping seniors since 1996.

Danny Brechin

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Answer: Medicare will not cover out of the USA. However, Medicare Advantage plans cover you internationally for emergency situations.

Answer: I would like to help you. To do a complete assignment, I need to speak with you. I need information about you and what you would like your program to complete.

Please Contact.

Danny Brechin

Thank You

Practicing since 1996

Answer: Yes. Depending on the situation you may have a election to make a change. This year if you are a chronic heart problem. You may move to an SEP.

Answer: Yes, blood thinners are covered by Medicare plans and drug plans. You will need to see what particular drug is covered. With the help of your Doctor you should be able pick a good PDP plan for your particular situation.

Answer: The Best way is to call someone like me. I represent 5 major plans and Supplements. I will sit down and explain how all of the jungle works.

Danny Brechin

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Answer: You may enroll your parents as long as they are present, or you have a POA for both parents. Without that, the presentation must be made to the parents, and of course, you may help them enroll

Danny Brechin

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Answer: The main penality is on the Prescription Drug Program. When, you turn 65 or leave work. If you take out a Supplement and do not take out a PDP. You will receive a penality that you will pay for life.

Answer: Yes, you may apply for his SSA ck. The amount is either or. You may draw his but may not draw yours. So, you will be able to do that.

Danny Brechin

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Answer: Ozempic is not covered for weight license only. If it is used for control of diabetes then yes it will be covered. If you have diabetes and use Ozempic it will be covered.

Answer: Cheap and expensive needs to be understood.

Medicare Supplements have a monthly premium and also have to purchase a PDP program. While combined, both can be had for below $100.00 per month. However, Medicare Advantage plans generally have a $0. Premium. They cover A&B along with a prescription program. I advise members to put 150.00 per month in a savings program. Use this money to pay your co-pays.

Again, I always help people to understand their particular situation.

Danny Brechin

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Answer: Your eye surgery will be covered under Part B. It will be covered with a same-day surgery.

Danny Brechin

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Answer: A Scope of appointment needs to be completed a minimum of 2 days before writing the application.

Unless the application is effective on fthe irst day of the month, you may have signed the day of the application.

Daniel Brechin

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Answer: I have been selling Medicare Advantage and supplement plans. Medicare Advantage generally has 0 program and your cost will be copays. The plan is paid by SSA.

Medicare Supplement has low or no co-pays and has a monthly premium.

Premiums began at 60-100 per month. Then you will need to purchase a PDP plan to cover your prescriptions. Generally, 35.00 to higher. Both of these will increase 3-7% annually.

It is a question I talk to everyone about

Daniel Brechin

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Answer: You will have to request another one. If you know the Medicare number, you will be able to use it, but you still need to order another one from SSA. When you receive it, I will recommend storing it in a safe. You will not need it unless you change plans.

Thank You

Daniel Brechin

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Answer: It depends on what your employer is providing to you. I would like to sit down and compare the differences. There are many things your employer may provide that are not provided by Medicare. Supplements cover strictly A&B coverages; you will also have to purchase a Part D program. A Medicare Advantage plan will cover A-B&D in one package and generally without a monthly premium. Some areas will have small premiums.

Danny Brechin

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Answer: No, you don't. However, if you want to take out part B, you will be able to obtain a Medicare help plan. Depending on what you have from and how long you were in the Military, and by the way, thank you for your service. God Bless.

Medicare programs will give you many things you may not get now.

Contact me and talk.

Danny Brechin.

Answer: Medicare does not pay for dental implants

However, some Medicare Advantage plans do cover dental.

Generally, if they cover dental implants, it is limited to a certain amount per year

Daniel Brechin

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Answer: The rules needed are there. However, Medicare does not police the callers from overseas. When Medicare allowed this to happen members are lied to and generally are there is no recourse.

Answer: HMO programs began with contracted Doctors that are contracted with the HMO plan. A member will chose a primary Doctor and use that Doctor to guide him through the members health care.

Answer: Medicare covers the first 20 days in the nursing home. 0 copay for 1-20days after that there's daily copays till 100 days

Answer: Call the plan. Most Medicare Advantage plans cover glasses. Medicare does not cover Eye glasses.

Answer: Original Medicare does cover Eye exams annually. It also, covers treatment of eyes for disease. It does not covers eye glasses.

Answer: No, a Medicare Advantage plan covers everything. The co-pays vary with each company.

Daniel Brechin .

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Answer: I prefer working with clients personally.

However, more people want to do the enrollment over the phone or by calling the company direct and enrolling.

Answer: No, If you are happy with your current plan. Be sure you find out what changes are being changed every year. Every year changes are made by plans due to changes made by Medicare.

Answer: Yes, A heart monitor is covered under Part B. The Doctor will direct handling approval of the appliance.

Answer: There are always special options that every program provides as dressing. However, the most important thing is to make sure the plan you are interested in will have your doctors and Hospital. This is one of the programs I represent is a PPO plan.

For your questions, please contact me.

Danny.l

Answer: I have been licensed and producing for 30yrs. A Medicare Advantage Plan can be made to fit anyone. A MA plan generally will have a $0 cost per month, some other plans may reimburse your Part B cost.

Medicare Supplement will have a monthly plan at age 65 most increase 5-7% every year. I hear from people in the 70's that have doubled their initial rate.

Also, a Supplement does not cover

Part D. They will also increase every year.

Personally, I chose Ma with a PDP plan.

I have a lot of use but have not exceeded what I spend annually.

Answer: No, once you chose either a Medicare Advantage plan or a Supplement. You may only change at specific times in the year. AEP from 10/15-12/7 each year. If you make a decision you may also change from Jan 1-Mar 31.

Answer: Yes, generally if you are leaving or losing your job you will have a special election to enroll. You also need to take a PDP program.

Answer: Typically when you qualify with a disability you will be able to apply for Medicare 24 months after that Medicare.

However, if you have ALS you may apply immediately.

Answer: No you will not be penalized if you are still working. You need to you will get your part A at 67.5. As long as you have insurance either Employer or individual Health. When you leave that you should take out part B. If you do not take out a PDP plan a penality will occur.

Answer: Simple yes. HSA programs are designed to help with HealthCare. You may use it to pay co-pays.

HSA plans can help pay HealthCare.

.

Answer: No, sorry but , Medicare Part B. Had a monthly premium. The amount for 2025 is 185.00 per month. You will have that premium unless you qualify for a State Medicaid program

Answer: Basic plans are in most every area. Explain to them the difference between Ma plans and Supplement programs with PDP plans.

Answer: Depending on what they are comfortable with. I always let the customer decide and show them the plan they chose. Then compare that to supplement and Medicare Advantage plans. I do not push them and let them make a decision.

Answer: Make sure you explain everything! You do not want to leave anything out. Do it just like every client you approach.

Answer: This is the reason I sell both Medicare plans and Supplements with PDP drugs.

I personally have a Medicare Advantage plan. Generally it cost my less per year than a Medicare supplement and a PDP. That will increase annually 5% or better.

Answer: I talk to my members and new client telling them I am available to them when needed. I answer questions and advise how to help them deal with problems they may occur.

Answer: I believe that experience is the best determining factor to chose an agent.

I have been a licensed agent since 1995.

I have owned a property & casualty agency. I soon discovered I did not want to be a general insurance sales. I had started writing Life and Medicare. In 1998. Sold my P&C agency for a profit.

Then I worked full time with UnitedHealth care. In 2000 I went to work with HealthSpring as a manager of 15 agents.

In 2018. I took retirement. In 2019 I wanted to work and started Daniel Brechin Agency. I have grown to 500+ clients. I work with 7 major Medicare plans, Included with BCBSAL, Healthspring, UnitedHealth Care, and Devoted.

I help retire with Annuities and represent 3 major companies

Daniel Brechin

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Answer: Medicare does not cover hearing aids. With a Medicare Advantage plan, it may be covered. Varies on plan.

Daniel Brechin

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Answer: I need to let you know. If there is a valid reason. We can file that if not you may enroll Oct 15- Dec 7. You will get a small penalty when you enroll with a PDP.

Contact me.

Daniel Brechin

Answer: Medicare A&B does not cover Medication drugs. A&B will cover Part B Drugs for special cancer treatments

Daniel Brechin

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Answer: If you purchased a MA plan. It was not explained?

I would like to set down with you and see if I can Help you.

If I can help you

Daniel Brechin

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Answer: I have several Medicare Advantage plans that include dental coverage. I have a plan that also refunds your part B charge. I would be happy to answer your questions.

Daniel Brechin

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I have worked with Medicare enrolled for over 35 years

Thank You

Answer: Seniors need to understand how Medicare works

Depending on your need not what a salesman trying to push.

Answer: Work with the company you are Insured by and the agent can help but, an agent cannot do this directly. Daniel Brechin

Answer: I can help with that if needed. But the authorized person in charge of that will have to do it. As an agent I can assist but I cannot do that.

Answer: Yes, you can have a legal authorization to administer their benefits. This is generally done through a social worker or a lawyer.

Answer: You have an eligibility for 3 months prior to 65 the month of turning 65 and 3 months afterwards to enroll in a plan or part D. You may have a part D penality if you have a period after that and do not enroll in a part D.

Answer: Generally medicines are listed if covered by your plan should be able to look it up or call the company if there are any doubts.

Answer: Aayn Medicare Agent should cover everything including with the program

They should answer any questions a person ask. But if what you want to ask random questions the agent should be able to answer your questions.

Answer: Will depend on what you are taking some may be covered on Part B prescription drugs. Others will be covered on Part A. Depends on the plan you have as to how as to how it will be covered under part A or Part B. It may be covered under D prescription drugs.

Answer: Yes that will get you into a hospital and will cover all part a cost but, not cover Part B. Which is procedures done while in the hospital

Answer: Yes, you may change a supplement whenever you like but not a good decision. I can shop for you on that also.

Daniel Brechin

Answer: Medicare supplement programs have a monthly and are allowed to have an Increase annually only. Daniel Brechin

Answer: Yes there are annual check-up allowed every year. There are many plans that have a 0 cost for primary Doctors.

Answer: Medicare Advantage plans have been working well with its members since 1998. I have been doing Medicare advantage and Supplement plans for 38 years.

Answer: Certain procedures do require prior authorization. The Dr will handle that for you.

Prior authorization is generally handled between the Dr office and the company.

Danny

Answer: I will be able to assist with that. If you need assistance I am always a call from you. Danny Brechin

Answer: I will be there to help you with anything you need to do. With Medicare assistance I will help you

Answer: The cost of each individual is dependent on income. Is based your income allowed you to receive Medicaid if your income for an individual drops to the range for Medicaid you may also get additional benefits

Answer: Yes, the plans all have changes based on Federal Medicare rules. If you have questions each year I will be available to assist and make sure the plan you have chosen to meet with you annually to review the next year plans changes. Also, you receive changes on the plan you have chosen will let you know ahead of the 10/15 Annual enrollment change

Answer: I will not know all of the changes till October 1 2025 for 2026 plans. If I can help please let me know. Danny Brechin

Answer: L am licensed in Several states I would be happy to set down with you and review at no cost. Please let me know If I can Help you. I also have a selection of supplement plans.

Answer: Plans run alike all plans are guaranteed for 1 year. January to December. They automatically renew each year

Answer: Plans some have a network and some do not have a network. I represent the top 5 plans in Alabama, Florida and Tenn.

Answer: Generally the benefits are not taxable. They also have a Max out of pocket. I would like to show you the different plans.

Answer: medicare Advance plans cover Part A and Part B

They also cover Part D at no monthly premiums

Danny Brechin

Answer: Medicare Advantage plans generally have no monthly premiums depending on where you live.

Regular has no limits on what you can spend in parts A&B. And have a Part D drug plan including in the program.