David Wynne, Medicare Insurance Broker

Answer: Enrolling in Medicare for the first time can be a daunting task. For seniors, taking the time to fully understand what options are available should be a priority ahead of your Initial Enrollment period. Working with a licensed professional that is local, is a great way to solid guidance. At Living Well Benefit Advisors, our goal is to educate the client and let them decide what plan will work best for their personal needs.

Answer: Understanding your medicare plan is important. There is a lot of information out there including some bad opinions. Thats why working with a local agent is important. Having an educated and licensed agent guide you and provide solutions for your specific needs, is the best way to get the right recommendations.

Answer: The most over looked question when asking about Medicare and many people don’t realize that, if your income is above certain limits, you’ll have to pay more for Medicare Part B and Part D. This is called IRMAA (Income-Related Monthly Adjustment Amount). It can catch people off guard, especially if you sell a home, take money from retirement accounts, or have a high income in retirement. Planning ahead can help you avoid paying more than you need to!

Answer: Original Medicare (Part A and B) does not cover routine dental or vision care like cleanings, fillings, eye exams, or glasses. If you prefer to stay on Original Medicare, you can buy standalone dental and vision insurance from private companies. Some people also choose discount plans, which offer reduced rates for services but are not insurance. Alternatively, some people choose a Medicare Advantage (Part C) plan, which often includes dental and vision benefits. These plans are offered by private insurers. To understand what is right for you, speaking with a local licensed agent will help you get the right information to make a informed decision.

Answer: Original Medicare (Parts A and B) covers many basic health services but leaves several important gaps. There’s no annual out-of-pocket maximum, so you could end up paying a lot if you need extensive care. You’re also responsible for deductibles and 20% coinsurance on most services.

It doesn’t cover routine dental, vision, or hearing care, and it excludes most outpatient prescription drugs unless you add a separate Part D plan. Long-term care and medical services outside the U.S. are also not covered.

To help with these gaps, many people choose a Medigap policy or a Medicare Advantage (Part C) plan, which can include extra benefits and limit your out-of-pocket costs.

By working with a Licensed Local agent like myself, we can talk through the options that are available so you can make an informed decision.

Answer: Medicare Part B covers things like doctor visits, outpatient care, lab work, and preventive services. It’s a big help—but it’s not enough on its own.

It doesn’t cover prescriptions, dental, vision, hearing, or long-term care. Plus, you’ll still have to pay monthly premiums, a deductible, and 20% of most bills.

That’s why it’s smart to talk to a local Medicare expert like me. As a top-rated Medicare Agent with HUB, I can help you understand your options and fill the gaps with the right plan for your needs. Let’s make sure you’re fully covered!

Answer: You chose Medigap for the flexibility it offers, especially while traveling, and that was a smart move if seeing doctors nationwide without network restrictions is important to you. But if the premiums are starting to feel like too much, it may be time to review your plan.

It may be time to shop your Medigap plan — to see if there’s a more cost-effective option that still fits your lifestyle and health needs. Rates can vary significantly between insurance companies for the exact same coverage, so there may be room to save without sacrificing benefits.

Answer: The Medicare Advantage 5-Star Special Enrollment Period (SEP) lets you switch to a 5-star Medicare Advantage or Part D drug plan once per year, anytime between December 8 and November 30. This is different from the Annual Enrollment Period (AEP) in the fall and the Open Enrollment Period (OEP) in early spring, because it allows you to change plans mid-year—but only if a 5-star plan is available in your area.

Answer: The Maximum Out-of-Pocket (MOOP) limit is the most you’ll have to pay in a calendar year for covered services under a Medicare Advantage plan. Once you reach this limit, your plan covers 100% of the costs for the rest of the year. MOOP includes your deductibles, copayments, and coinsurance for medical services covered by your plan. It does not include your monthly premiums, prescription drug costs or services not covered by Medicare.

From an agent’s perspective, I always advise clients to compare MOOP limits when reviewing plan options. Lower MOOPs can offer peace of mind, especially for those with chronic conditions. Also, some plans like PPOs, have separate in-network and out-of-network MOOPs, so it’s important to understand how that applies to your situation.

Answer: Original Medicare (Parts A & B) does not cover hearing aids or routine hearing exams, so you would typically pay out of pocket, or purchase a plan separately. Some Medicare Advantage (Part C) plans do offer hearing benefits, including coverage for hearing aids and fittings — coverage varies by plan. A bill is in Congress that may expand Medicare to include hearing aids starting in 2026, but it has not passed yet.

Answer: If you're new to Medicare, I’m here to make the process simple and stress-free. I’ll walk you through the basics like what Medicare covers, where the gaps are, and the difference between options like Medigap and Medicare Advantage. My goal is to give you clear, honest information so you can confidently choose the plan option that fits your personal health needs and budget.