Daniel Maisel, Medicare Insurance Broker

Answer: I enjoying being able to assist people with their Medicare.

I am known for

"Making Medicare Simple"!

Sadly I find, 90% of those that qualify for MEDICARE, select their plan based on the wrong reason.

Those turning 65 are very often still healthy.

To select the plan that fits them, they need to consider, how they want their plan to work in the event thru have a bad health issue develop.

My stress of For California has over

97 plans.

Their is a reason.

Again, if they have sn adverse health condition, my place is to simplify their selection based on how they want to be medically cared for.

Answer: The most frustrating misconception about certain Medicare plans are the urban legends that are marketed by some Medicare health plans.

What are those misconceptions?

1) They receive all benefits in California, on those plans, for FREE.

2) All doctors on those plans are located in one single location.

If it may happen that all specialists they need work at one facility that would be true, but usually the patient must go to various facilities.

3) All prescriptions are available at one facility.

If they have their prescription available at the facility they happen to be at on the that day, then that is true. If not, then they would then be required to travel to another location.

In Southern California those in that popular plan,often may have to travel as much as a 50 mile radius.

When you are health that is not usually much of an issue.

But it is important that plan selections should be made in the event they are ill.

Answer: The question begins with an improper premise.

Labyrinth plans may have a reward for caring for your health.

But I do not see plans giving enticements of gift cards to enroll.

Answer: The purpose of preventive care is to keep a Medicare eligible person healthy.

This preemptive care illness and/ or catching the illness before it becomes extremely serious.

That is the basis of all Medicare Advantage plans.

Keep patients healthy.

Answer: Annual wellness check up is often confused with a Physical.

It is not a Physical.

The annual wellness checkup is to review the patient's physical & mental wellness.

Taking this time each year maintains a plan for maintain health.

If the patient is encountering any health issues, they can be caught early.

Answer: Medicare Parts A (Hospital) and PartcB (Doctors) are a wonderful provision that helps care for those turning 65.

The danger financially of you do not have a Medicare Supplement or Medi-Gap, each person is subject to the following:

Hospital stay deductibles multiple tinnes each year for different health issues.

Doctor deductible.

A & B is a 80/20 plan.

Thus without a Medi-Gap plan you would have no small co-pay per visit and would be responsible for 20% of treatment costs.

Their are many other CO-payments.

Their is no coverage for:

Prescription

Dental

Vision

Hearing

Unless part of another health condition.

Call myself or anyone of many Certified Healthcare Professionals, educated, certified and trained to aid you select the plan that fits your needs and budget.

My assistance is complimentary.

You pay me nothing.

All licensed agents & brokers are paid by any insurance plan you select, to pay for our services.

I hope this helped!

Dan "the Medicare Man"

Daniel Maisel Insurance Solutions Medicare Agency

"Making Medicare Simple"!

(909) 319-5324

Ca Lic #0620516 - Npn #2714786

Www.InsureItDan.com

Answer: Please reassure your mom, this is the reason to use a Licensed & Certified Insurance Agent/ Broker hear to assist her find the plan she deems best for her.

We will research her Doctors, Hospitals & prescriptions are covered and which plans cover them.

Call us for complimentary assistance.

Answer: That is a good question.

Getting prior approval is not necessarily bad.

I am a big believer in getting second options. Often the one they are reviewing your needs are more knowledgeable. They may also know of other ways of caring for your issue previously not considered.

Example: I was told I had a torn rotator cuff. I received approval for another viewpoint. That doctor suggested I have physical therapy.

I did not understand, thought the first opinion of surgery made sense.

Result: After following the physical therapy my sharp cutting disappeared and I can now play ball with my grandchildren.

Have an open mind, be patient.

Answer: Despite the stories hard in the US, Universal Healthcare has not been an effective solution in any of the countries that use it.

The continuously skyrocketing rise in costs are not stopped by that method. Politicians keep thinking they can mandate a solution that may sound good but is actually impractical.

An example is the Inflation Act & the Infrustructure Act that mandated healthcare changes, as did the Affordable Care Act that solved some problems, but priced to finding to do what was required.

That is why the countries with so-called Universal Healthcare have extreme waiting periods for serious procedures like hip replacement, and heart by-pass operations, etc; causing those that can afford to go to countries like the USA, India, etc; where they can pay to have the procedures done.

Answer: To make it simply..... NO!

The penalty you refer to only applies to person that does not have qualified Mesocal Insurance at all.

What most Certifies Healthcare Agents would suggest is to at least start Medicare Part A (Hospitals).

Part A does not usually cost you anything, as long as you worked a minimum time in your career.

Feel free to call me or another qualified Medicare Agent.

Daniel Maisel Insurance - Medicare Agency

(909) 319-5324. Www.InsureItDan.com

http://planenroll.com/?purl=yZLgRcNz

Answer: No, Basic Medicare Parts A & B covers

A: HOSPITAL

B: DOCTORS.

No prescription drugs unless administered by a doctor.

That is why the majority of people on Medicare get:

1) Medicare Supplement or Medi-Gap plan.

Or

2) A Medicare Advantage (Part C) plan.

3) A Prescription Drug (Part D) plan.

They fill in, when combined with basic MEDICARE usually much mire than the coverage you are getting from your employer.

Of you have any questions, feel free to contact me direct and I can answer more specific questions you may have.

My assistance is complimentary, their is no fee.

Daniel Maisel Insurance Solutions Medicare Agency

(909) 319-5324

CA Lic #0620516. - NPN #2714786

Www.InsureItDan.com