David Moscowitz, Medicare Insurance Agent

Answer: Yes, you can, as long as you are 65 yrs. old and have your Medicaid card with both Parts A&B. You qualify for an MAPD Medicare plan. You can continue working full time and be on a plan.

Answer: You should go down to the local Social Security office to apply for your Medicare card, which has the Part A & Part B codes as well as the MBI number.

This will allow you to enroll in a Medicare Advantage plan of your choice.

Answer: Yes, the Part B portion of the Medicare plans will cover approximately 80% of the hospital cost or outpatient services. There may be additional doctors costs as well as the hospital costs, depending on the particular plan. Depending on the carrier, it may vary.

Answer: You can go to the NYS Medicare.gov site and search Part D prescription plans, follow the prompts and type in the drug and dosage to see the cost of the drug, or call the company that insures the PDP.

Answer: One important factor in assessing Medicare options for the consumer is to prioritize one's needs or wants in a plan, i.e., Premium cost, dental needs, etc. Basically, what benefits are most important to you and are there extra premium costs, above and beyond the standard amount required by the insurer.

Answer: Yes, these medications are treated as any other medications according to the tier designation system or drug formulary.

Answer: Yes, your daughter can work with an agent or broker to enroll in a plan on your behalf. As an advocate, she will be asked if she has power of attorney to sign usually on the application.

Answer: That is an interesting question! I believe that is not up to the Medicare authorities to try and distinguish between minorities based on ethnicity, race, or any other group, other than those issues related to general health care and insurance needs as well as affordability.

Answer: Most Medicare plans will cover the skilled nursing portion of the medical coverage, in the home, but the long term care is a separate issue altogether.

There are long term care plans, but they need to be planned well in advance in order for coverage.

Answer: Almost all Insurance carriers will not have medical coverage outside the United States; however, Urgent care as well as Emergency care is available outside the country.

Answer: It is based on the expense of the drugs or medications that you have, also if they have a generic alternative at retail pricing.

I.e., most prescribed medications are rated @ tier 1 or 2, whereas a medication like Eliquis is rated @ tier 3 level, which is more expensive, with a maximum annual out-of-pocket expense.

Answer: Life insurance is an integral part of financial planning, especially with a whole life policy, which enables you to borrow a cash value from the policy if needed as well as a payout in the event of death to a family member.

Answer: Yes, depending on your situation, as long as you have worked for 24 months before the disability, you automatically qualify for Medicare benefits.

Also, people with end stage Renal disease also qualify and/or w/other various ailments collecting SSDI benefits.

Answer: If you are 64 years old, you can apply for a plan on your 65th Birthday; however, it is recommended to speak to an agent 3 months before that time. The annual enrollment period for 2025 is October 15th - December 7th.

Open enrollment period, where you can switch plans once for the year, is January 1st - March 31st.

Answer: The interaction with the customers and their families! Also, I feel self-satisfaction when helping people choose the right plan for themselves, and I look forward to establishing relationships that last into the future.

Answer: The detailed and specific needs of the prospective members and medication costs associated with each specific plan.

Answer: It covers basic hospital coverage, however, not indefinitely; also, other costs such as specific tests and therapies are not covered with basic Medicare.

Answer: Some plans have no monthly premium costs to the members, and some do, depending on the plan you are applying for. For instance, a PPO plan or an HMO plan. You need to talk to an agent.

Answer: What plans are available in my area, and am I eligible? I will be turning 65 in 3 months; when should I apply?

What documentation do I need to have to be able to consider a Medicare Advantage plan, and how do I go about getting what I need?