Daniel Maisel, Medicare Insurance Broker

Answer: Well, the question is, do I need a doctor's referral for Medicare to cover therapy? Well, that's kind of a wide-open question because if you need therapy, you want to make sure you have the right therapy. So it's not so much about the referral.

Now, if you just go in and say, "Hey, I can have some chemo," and you don't have cancer, then obviously that's a bad thing. So really, it's like a prescription that you need a doctor for, not so much for the referral, but to make sure you're getting the right thing. You want to make sure you're getting a prescription that's gonna help you, that's gonna heal you.

If you take a powerful medication of some sort, like powerful therapy to flush your kidneys or for an infusion or something else, what if you were to take something too powerful? So that's really what you're asking for. Most people think of a referral like you want to go to a specialist. Well, if you have regular Medicare, you probably don't need a referral. And if you have Medicare with a supplement, the same goes there too.

Usually, it's just with the HMO when you have a medical group involved. That's usually when you need to have some sort of referral to allow you to go to those doctors. So there are provisions available. But like going to a doctor to make sure you get the right treatment, the right medication, or prescription. Likewise, that's why you go to see a broker like myself, an agent that's certified to help you in this regard.

We can make sure that we have a plan that fits your needs, that has the right hospital, the right doctors. You may have a doctor you really love. You need to make sure you have the right plan that accepts that doctor and will work with you.

So if I can help you, please feel free to give me a call. My name is Daniel Maisal, Insurance Solutions. But we wish you the best. Hope that answered your question well.

Answer: Hi, I'm Dan the Medicare Man, Daniel Maisel with Insurance Solutions. I'm responding to a message, a question that says, "I picked a Medicare Advantage plan based on the low premium, but now I'm facing high co-pays. Did I make a mistake?" Well, no, not necessarily. It's really important, though, to investigate all these plans. That's what you have an agent for. Yeah, like myself. I'm a certified healthcare professional, licensed with over 100 companies just in Southern California alone. Oh, there are over 67 plans, and I represent different states. But it's important to know how these plans work. None of them, I don't care what they are, no matter what you tell me, none of them are 100% free. There is no plan that does that. Anyone who tells you that doesn't know what they're talking about. That's why you deal with a certified, licensed healthcare professional, a licensed agent or broker.

Now, when you have a Medicare Advantage plan, that's an HMO. People think, "Oh, HMO is bad; PPO is good." Most people confuse them. They don't even know what a PPO is. A PPO is not much different than an HMO. They're both organizations, and if you're going to one of those, its design is to help maintain low insurance costs, not just for you but also for the insurance companies and even for Medicare.

You have PPOs. Does that mean you can do whatever you want? No. You might be able to go outside the network for it, but when you do, guess what? Your co-pays are high. So that's what you're giving up. You got the freedom to some degree, but they're still part of an organization. Other people choose a supplement. You pay a monthly fee, but the purpose of that is you can go to absolutely any doctor in the country, and they pay all the rest of these things that sometimes Medicare Advantage does not cover.

So, a Medicare Advantage plan, some of the procedures you might go through only pay on an 80/20 basis. So you need to know that depends on what it is. That's what your agent's job is. What I deal with on a regular basis is people making decisions when they're 65, and it's more of an emotion. They hear these stories, "Oh, I had this done. I had my heart issue or this or that, and I paid nothing. Everything was free, free, free." There's no plan that exists that is 100% free on everything. The closest you can get to that is a supplement, which costs on a monthly basis.

Check with your agent, have them review with you. Make sure that they explain it to you so you have a full understanding of how the system works. That way, you can get the maximum benefits of whatever plan you have. So I hope that was helpful.

Answer: Hi, I'm Daniel Maisel from Medicare Solutions, a Medicare agency. Even though I cover more areas, I primarily focus on California. So what's the question? What's the best way to avoid surprise bills for lab tests under Medicare Advantage?

Answer: Hi, my name is Dan, the Medicare man, Daniel Maisel, insurance solutions. Your question that you asked is, what is the biggest disadvantage of the Medicare Advantage plan? Well, the biggest disadvantage is you don't have the ability to go to many doctors. You're restricted to that network. The whole purpose of the Advantage plan is for hospitalization and doctors to have a network, which in turn allows them to pay a lower price. And it keeps the cost of insurance down. That's what it was designed for.

Now, it has a lot of different perks and advantages to it. But the downside is, for example, if your doctor changes, he loses his contract with that network or that medical group or that hospital. If that hospital chooses not to take Medicare Advantage, and this year we had quite a few of them do that throughout the country. Now, all of a sudden, you've got a problem if you needed to be going to that hospital because they're no longer going to accept that plan.

So that's what you go to an agent for. An agent or broker, we work for you. We don't work for an insurance company. We can find out what your needs are and then do what we call a Medicare 101, teaching you the basics of what the difference is. Usually, within 10 or 15 minutes of my explanation, you know whether you're an Advantage person or a supplement person, and what it is you want to have done.

You have various different things. One of the biggest things I've had people lately who needed special infusion treatment, for example, for their kidneys or chemo, and they don't realize. They think this urban legend that everything's free with Medicare Advantage. It's not. You have something like that where you have this infusion, and you have to pay 20% of the bill, which could add up to quite a few thousands of dollars.

So give your agent a call. Give me a call if you want. We're glad to help you. And I hope that was helpful.

Answer: This is Daniel Maisel, insurance solutions Dan, the Medicare man. Your question was a pretty good one. I understand that people complain all the time, "Why did they make it so hard to figure out Medicare?" you ask. I'm still working at 67, and I don't know if I need Part B.

Well, let me make it simple. If you have group insurance or some sort of insurance from work, it doesn't cost you a thing. Then you're probably better off just staying with your work insurance and not getting Medicare yet. When you start Medicare A, that's for your hospitalization. Normally, for most people, that costs nothing. So you can start your Part A as soon as you qualify for it at age 65.

Again, at the age of like myself, we work for you. We don't work for any insurance company. We're independent so that we can be nonpartial. I wouldn't make recommendations, but Part B is a different story. Part B usually has a charge. Part B is your doctor's portion of your Medicare. And that one, the government charges you about $164.90, which is what the amount is for 2026. That's based on your income. If you make a lot of money, if you're making two, three, or four hundred thousand a year, you'll pay more than that.

Again, it's taken out of your Social Security check. But if you have better care or medical insurance for you at work, why would you pay that? You don't need to. So better yet, contact an agent or broker. I'll be glad to help you if you wish. Just contact us, and we'll explain Medicare one-on-one. We'll make it real simple. That's what I'm known for—making Medicare simple. And then you can do whatever you want to do.

So I hope that helped. I wish you well, and have a great day!

Answer: Hi, my name is Daniel Maisel. I'm a Medicare agency. To answer your question, what is the Medicare Advantage Part C open enrollment? That can have various different answers. I'll try to make it simple. Basically, open enrollment usually applies to the first time you are ready to get Medicare. You're turning 65, you qualify for it now, and if that's the case, then that's the time where you need to learn the basics. You have to find an agent or broker that can explain the differences. You need to know how it works, who your doctors are, who your hospitals are, what prescriptions to take. Then they can explain what the different programs are.

For example, in Southern California, there are over 97 different plans. I don't represent them all; I represent about 65 of them. But there's a reason why there are different ones. If someone has, for example, diabetes, COPD, or heart disease, there are special programs with Medicare that will help you. And with open enrollment, you can find that out.

Now, there are other times of the year they have open enrollment. In the fall, you have open enrollment for people who want to change to a different plan or just see if their plan is still doing the same thing that they thought it would. The plans should all change from year to year. Doctor's contracts come and go, so open enrollment is so that you can make sure you're able to if you get sick. Eventually, all of us have some health issue. If you get sick, if something happens, where do you want to go? How do you want it to work? And that's what the agent's job is—to help you plan for that in advance, and then you can relax and not worry about it.

Lastly, they do have an open enrollment period at the beginning of the year. If you find that you just weren't happy with it, you have a one-shot deal where you can change to a different plan. Again, your agent can explain more about that. If I can help you, please feel free to contact me. Otherwise, find someone that you're comfortable with. Again, this is Dan, the Medicare man. Daniel Maisel Insurance Solutions. I wish you the best.

Answer: Hi, this is Daniel Maisel, Dan the Medicare man, primarily serving Southern California. But at any rate, the answer to the question is Medicare Part A and B cover urgent care office visits. Well, the bottom line is yes, it does. With Medicare A and B, Medicare covers hospitalization. Basically, anything to do with the hospital does not cover the doctors themselves. That's covered by your B portion. So urgent care centers would be covered under B, so it has various different methods.

It's important for you to know exactly what it covers. Many people make their decisions based on being healthy. They're still usually pretty healthy at age 65 or nearing that. But what's more important is you need to talk to whoever your agent is, your broker. What doctors do you like to use? What hospitals do you like to use? Any prescriptions you take? Medicare doesn't cover prescriptions, but it doesn't cover dental, doesn't cover vision, and doesn't cover hearing. There's a lot of things they have, but on the same token, there's huge deductibles that are involved.

For example, if you go into a hospital, you may have as much as $1,800 deductible each time you enter. So, to get more information, contact me or contact your agent, and we'll be glad to explain at least what you need to know about Medicare 101. How does it work? Hope that helped. Have a good day!

Answer: Hi, my name is Daniel Mason. This is Daniel Mason Insurance Solutions. I'm a Medicare agency, I'm a broker, I'm an agent, and I'm independent. I am a fiduciary. So what does all that mean? Basically, it means that I do not work for any one insurance company. I'm contracted with over 100 companies total, with various different types of insurance. But specifically with Medicare, I am not employed by any of those companies.

So when I talk to you, I look at what your needs are, not what they're trying to get me to sell. If you go to buy a car and you go to Toyota, guess what? They're only gonna talk to you about Toyota's. It's the same way when you deal with an independent agent.

So that's why you may, in answer to your question, wish to talk to more than one agent. Because some are just employees of one agency or maybe two or three. Whereas you have others, like myself, who represent many. And that's what you want to find out: who can look out for your interests.

So when you deal with an independent agent, you can determine if you're comfortable with that person you're working with. They should be able to find out what your needs are, find out who your doctors are, who your medical groups are, who your hospitals are, and what prescriptions you're taking. Could you see ever taking other, more chronic type medicines? And do you need other types of benefits to complete your health plan? Those are things that your agent would do.

And sometimes, an agent you may talk to, you may just not feel that comfortable with. And just like you change doctors, you may want to change agents if you don't feel that agent is really looking out for your interests. Sometimes we may get too big, so we can't take care of you. If that's the case, then you have the opportunity to find someone who's going to care for you.

So that's the difference. An independent agent, a broker like myself, we work for you. We work for our clients. We're not for any one insurance company in our area. There are 97 different plans just for Medicare. So obviously, there's a reason why they don't all do the same thing. Some people have special needs. They may have chronic illnesses like COPD, diabetes, or heart disease. Whatever it is, the key is what fits your needs.

And that's what you wanted an agent for. So if you find one that's doing that, stick with him. If you feel he's taking care of you and examining this stuff every year, stick with him. If not, try another one, see what it's like, and you may feel more comfortable with it.

Answer: Hi, my name is Daniel Maisel. I'm with Daniel Maisel Insurance Solutions, and I'm a Medicare agency. That's a great question. A lot of people really like the different health fitness plans that are involved. One of the most popular is Silver Sneakers, and there are a lot of good reasons people do like it. I happen to have Silver Sneakers, but there are other plans too, many of which include the other benefits with it.

But just to clarify, in your question, Medicare does not provide that. That is not something that comes with Medicare. Medicare doesn't give you dental, hearing, or vision coverage unless you had, like, I don't know, cancer or you went blind or something. Maybe. But for the most part, they don't cover those things. Likewise, they don't cover meals after you get out of the hospital. There's a number of different things that do not come with straight Medicare, the one you get from Social Security.

So what about Silver Sneakers? What about these things? You do have many of those plans available, depending on the company. They may be different plans under different names, but they kind of work the same way. Again, I like Silver Sneakers, but there are other ones that are good too.

So that answers your question about why they don't have it. It doesn't come with Medicare. It would be a company that decided to go ahead and provide these extra benefits as a perk, you might say, to help you keep healthy. The whole goal of Medicare is to keep you healthy so you can live longer and not have health issues.

Answer: That's a good question. Unfortunately, nobody hopes that you have to start dialysis. But sometimes we have kidney issues and other things that come up in our lives, and that's a way of survival. It makes your life better, giving you a longer life expectancy.

So what happens when you are on dialysis? Well, the thing that happens as far as insurance and Medicare is that once you require dialysis, then you will, at any age, be given Medicare. That opens up a full Pandora's box of available benefits that most people don't realize are available to them at any age. You could be 20, and you can get Medicare if you're a person who's on dialysis, regardless of what that is, because you have the dialysis and other special needs that it can help you with as far as maintaining your lifestyle and keeping you healthy, and of course, dealing with dialysis.

When you have that, all these extra benefits are covered for you in a much more generous way by many different plans. So the key is to contact someone like myself, a certified Medicare agent, who's there to help you with these things. We can find out which doctors you have, what hospitals you like to go to, what medications you're on, and where you'd like to go to get your dialysis treatment.

Then once we do that, we can give you options as far as what plans are available in your area, so that it's nice and convenient. There's even other privileges like transportation and other things that can help you, because it certainly is a big change in your life when you start having to go through dialysis.

So with that in mind, if I can help you, my name is Daniel Masel. I wish you well and have a great day.

Answer: Hi, this is Dan Maisel, Daniel Maisel Insurance Solutions, also known as Dan the Medicare Man. Glad you asked that question. That's an important one. People are concerned today with Medicare fraud, with scams, even so much so that Dr. Oz just recently broadcasted a warning to people to be careful in who they give information to. That's what you have an agent for. From my findings, it seems like 90% of the people I talk to, if they already have Medicare, don't even know who their agent is anymore. Oftentimes, they call massive call centers whose only job is signing up for Medicare. It's a little bit different. You're an agent when you have a personal agent like myself. Our job is to work for you. We don't work for the insurance companies. I represent many companies. There's over 97 plans in my area of Southern California. I don't represent them all. I represent about 65 plans, but we find the ones that fit your needs according to what you find you need. By doing a needs assessment, if we're able to find it and figure out what it is you need, who your doctor is, your prescriptions, your hospitals that you would like to go to, they usually make the decisions on Medicare based on the wrong thing. They base it on being healthy. Well, the older we get, the more likely we may have a health problem. That's what your agent is there for, to answer your questions, work with you, not just one time and you never hear from them again, but to work with you and to be able to answer questions when you need it, when you have a problem. We're here to help. The bottom line is, contact your agent if you know who it is. I'm glad to help you if you don't, but it's a pretty good provision that was set up, rather than the old-fashioned commercial business that the federal government had of having to deal with people and maybe you get a hold of them, maybe you don't. Call your agent. We're always glad to help. That's what we get paid for. We're your agent. Have a good day.

Answer: All right, thank you for that question. That's a good one. Your friend had to get cataract surgery, and they wouldn't pay for the lenses that they wanted. I went through that with my own father. He is 92 now, and just a year ago, he needed to have cataract surgery. They have different options. They had your normal lenses that were implanted there, but also they had some other lenses. There were lenses that would allow you to have, like you might say, transitional type lenses like they do on eyeglasses. And it raised the price about, I don't know, a few thousand dollars at least to go with the more expensive lenses. So why didn't they do that? Well, the bottom line is just like with eyeglasses, you can get regular eyeglasses. You can get glasses that are for reading. You can get them for seeing far away. And like me, I have glasses; I have transitional lenses that if I look down, they're more for reading. If I look up, they're not, and I pay extra for that. So in the same way with Medicare, they do cover the lenses for cataracts, but then for a more advanced version, which are very expensive, they do not pay that other amount. Now you can do so with different benefits that you may have, or you can pay for it yourself. But the bottom line is they're gonna pay for what you need, not what they consider more of an adaptive lens so that you're convenient, so you don't have to wear glasses. So in my dad's case, he chose not to pay the extra money. We explained it to him what the options were that the insurance company was providing. He chose not to pay the extra money, and it really works great. He can see far away, which is what his main problem was. But as he got older, his vision seeing closer was a little more difficult. So for that, he has a pair of reading glasses. My wife doesn't have cataracts. She doesn't normally need glasses. Now she has them. So in her car and at her desk, where she likes to do her accounting and paperwork for the household expenses, if she likes to do Bible reading every day. If she's doing that, she has about three or four pairs of inexpensive reading glasses that she carries with her. And that's kind of what the alternative is. Do we have one or the other? But they usually don't, just like with glasses, you usually have to pay extra. If you want to have ones that tint or have a special frame or have progressive lenses, all those things are usually extra fees that are not covered for eyeglasses. And the same goes with cataracts. But they do cover the standard lens that you would need.

Answer: That's a good question. Medicare Advantage is a good plan. They have lots of them in my area. We have over 97 in Southern California. And throughout the country, some areas have more, some have less, depending on the amount of population living there and the competitiveness. But there are some issues. When you have a Medicare Advantage plan, it is more of an HMO network plan. Can you get a PPO? Yeah, sometimes, depending on where you live. It depends on the companies. Even in California, there's only a few of them in our area with 97 different plans to choose from. And yet, there's only a few PPOs that are available. PPO doesn't mean you get to go anywhere you want. It just means you have a little more freedom than you have on an HMO. When you have an HMO, you're restricted to that network. The contract with the insurance company is with the medical group, not the doctor. So if the medical group and the doctor are not contracted with certain hospitals, you may not be able to go to the doctor you want. If you live in an area with a large population, it can be restrictive because you have to stay, oftentimes, within your county or within your state. Now, if you're in a rural area, it can even be more difficult because those doctors may choose not to have a Medicare Advantage plan. They may only want to have Medicare or Medicare Supplement or Medigap programs, as they're called. So with all that in mind, that's the pro and con to it. One other thing that's important to think of is if you've had family that has had any health issues, if they had cancer or kidney problems, some of the other issues that came up, where you have to be infused by a doctor, you receive an infusion for your kidneys, or you're getting chemotherapy. That refers to basically the Plan B portion of Medicare, which means the Medicare Advantage plan only pays 80% of it. So if you have a chemo bill of $10,000 a month, that means they would pay $8,000, and you'd pay $2,000. For some people, that's not a big deal, but for others, it is. So those are things you want to review with your agent. Make sure they go over it, because your agent works for you, not the insurance company. And they want to make sure that they have the plan that fits your situation, the right doctors, the right hospitals, and the right Medicare plans, and it provides for the needs that you have. So take the time. They don't charge you for their services. They get paid by the insurance companies. They all get paid the same, so they're not partial to any of the insurance companies. Check with a local agent, get their help, and they will be there for you.

Answer: One of the best ways your family can feel supported during Medicare decision-making, your parents especially, is for you to be there. We’re all very happy to have brothers and sisters, mothers and fathers, children present because the more people who understand how Medicare works, the better off everyone is. We want to make sure you understand how it works. It doesn't matter in the beginning. Usually, people think they're super healthy, and when they're getting ready to turn 65, they oftentimes don't really appreciate the reason for having Medicare. They'll make decisions sometimes based on the wrong thing. But what's important is that you understand how it works so when you do have a health issue, when something bad happens, it works the way you want it to work. What better way than to have the family arrangement there so they can all understand, ask questions, and everyone can be on the same page? Without that in mind, that's what we as agents do. As a broker, we work for you, not for the insurance company. We want to make sure you understand how the system works and that you get exactly what you want. So we ask questions, we do needs assessments, and we allow you to ask as many questions as you want. By the time we're done, you know what you want, and there's no question about it. So I hope that helped. My name is Dan the Medicare Man.

Answer: Though Medicare Advantage plans

(Plan C) can have good benefits, and HMO limits your Healthcare to your contracted network.

Their are other Medicare options that have less restrictions like PPO's and /or Medicare Supplements (Medi-Gap).

Many like a Medi-Gap plan because you can go to almost any Doctor in the USA.

Would you prefer that freedom?

When you are younger & healthier the freedom may not seem important. As we grow older, the odds are that we may have greater health issues where would prefer a greater selection of the highest caliber of available doctors. Some may not accept HMO'S or even PPO's.

Daniel Maisel Insurance - Medicare Agency

Answer: For the most part, getting married late in life probably does not effect your MEDICARE costs at all.

The greatest impact would be if you or the person you marry:

1) One of you earned a much higher income. $200,000 and higher will raise the Medicare part B charge above this years $185.00 monthly minimum.

2) If one of you does not qualify for Medicare due to a younger age, than that younger person would probably need to purchase medical insurance with the ACA (Affordable Care Act).

Answer: Sure they do, Medicare Advantage (MA) plans also known as Part C plans are rated annually by the Centers for Medicare & Medicaid Services (CMS) on a 1-5 star scale, with 5 stars being the highest. These ratings help consumers compare plans and assess their quality and performance.

Star ratings help consumers compare the quality and performance of different Medicare Advantage and Part D plans.

I hope this info is helpful.

Daniel Maisel Insurance - Medicare Agency

Answer: The question you ask about the Inflation Reduction Act is something that's asked a lot. Also, there are some others. It did not change a whole lot, but the next one, the Infrastructure Act that was put in effect, did have great effects on different people, especially with regards to Medicare and prescription drugs. There is now a new cap on there. There are some bad points about it. The good point is they now have a maximum. Once you hit $2,000 out-of-pocket expenses, not just your pay, not just what you paid, but even including what the insurance paid, once you hit $2,000 in the course of the year, from that point forward, there is no more donut hole, if you've heard that expression before, but they don't charge at all. So anyway, it starts again the next year. If you have any questions, you're welcome to call me.

Answer: Hello, I have glad to be off help.

You ate l are not alone., others must deal with the same situation.

A sporadic program you may wish to look into is called:

Extra Help/LIS

THIS IS A SPECIAL PROGRAM FOR A PERSON WITH LOW-INCOME AS YOU DESCRIBED.

I hope this was of help. Best wished Aniel Maisel Insurance - Medicare Agency.

Answer: Hello, my name is Daniel Maisel, the Medicare Man at Daniel Mason Insurance Solutions. I saw your question, and we're glad to help. Bottom line is, when you do it virtually or in person, either way, I'm here to assist you. In person, I can obviously answer specific questions that you may have.

There are certain guidelines among Medicare that say what we can and cannot do without your direct permission because of privacy and so forth. We want to make sure everything is in order. That's one of the advantages of dealing with an agent. All of us have to complete about 400 hours of continuing education to maintain our licenses and certifications, so you get the benefit of that when dealing with your Medicare and any of the components that come with it.

Usually, at this stage in your life, when you're dealing with Medicare, my specialty is helping people who are getting ready to retire. However, I work with everyone. Some people get Medicare earlier because they may have a disability or something similar. This works this way for everybody. Rather than the government setting up a big, complicated organization like the DMV or the Department of Social Security, they said, "Look, we have all these educated, licensed agents out there. We'll just make sure the insurance companies pay them." That way, they don't have to pay us pensions and plans and have offices and everything else.

We're all independent, at least I am, and most of us are. There are some that are employees. Anyway, if you have a question, feel free to give me a call, and I'll be glad to answer it. It is a complimentary service, and if you decide to do business with me, then I get paid by the insurance companies. If you don't, then it's still beneficial to you, and maybe you'll think enough of me to refer someone to me someday.

So, I hope you do well, and I hope that answered your question. Have a good day!

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.

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.

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: 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: 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: 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!

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: 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: 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 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: 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.