Debbi Wallace, Medicare Insurance Agent

Answer: No, that is not true. You should always have life insurance at any age. I can help with that. Contact me.

Answer: The only time you can get a supplement(medigap) plan with no denial is when you first turn 65. Otherwise it goes thru underwriting and they can deny you based on medical history.

Answer: Check to see if the manufacturer can help with your medication. I know a lot of diabetic medications can be expensive and some of the manufacturers are willing to help to reduce the cost.

Answer: I always try to find something in common, whether its a pet or grandchildren or just something we both like to do.

Answer: Medicare does pay for IV chemotherapy. Some may have copays. You should always check with your agent to find out the details.

Answer: Medicare is very busy fielding calls from all over. YOur best bet is to find a local medicare agent you can answer your questions. Personally, if I don't have an answer immediately, I wll do the research to find an answer as quickly as ppossible.

Answer: It should be a minimal change as far as coverage, but you will need to notify medicare as soon as you know you are moving.

Answer: The biggest one is not signing up for Part D as soon as it is available. The penalty for not signing up is quite stiff.

Answer: Great question. I do not know the correct answer. Many are afraid of the many plans out there. Some just don't have a reliable agent to guide them. Find someone you can trust to guid you along the way.

Answer: Well, you may have to pay a late enrollment penalty. If you have had continuous medical coverage up to this point, you may NOT have to pay a penalty. But do enroll as soon as possible.

Answer: Yes, you need to find a local agent. You must notify medicare of your move. While most states follow the same rules, there may be other situations that you may need to notify your new states of.

Answer: This can be tricky. Most cholesterol medication is covered by part D and does count towards the maximum out of pocket. However, there is no longer a coverage gap in part d plans.

Answer: Yes, medicare part d does cover Repatha. However, step therapy may be required and there may be higher copays.

Answer: That would depend on what your needs are. If you have minimal medical needs then a zero premium might be for you. However, if you have numerous medical conditions and frequent doctor visits you might want to look at a supplement.

Answer: You should always get the answers to ALL your questions before signing up for either one. Advantage is an option. Medigap is a better option, although more expensive premium-wise.

Answer: You should let your carrier know when you plan to travel out of country. They can best advise you as to what is covered.

Answer: I love meeting the beneficiaries. Most are my age, even younger. I anjoy helping people get the best care possible for their situation.

Answer: Yes, Medicare does cover the shingles vaccine and many other preventive vaccines. You should get the preventive vaccines as they become available.

Answer: Start looking at your options in September. Get familiar with the various plans so that you are ready when October 15 rolls around for open enrollment.

Answer: We are specialists in medicare and have the experience to answer most qustions regarding medicare. Also, as a senior myself, I am uniquely qualified to address many of the issues we, as seniors, have.