Debra Weber, Medicare Insurance Broker

Answer: My goal is to save you money for the coverage that is best for you. I listen to your needs and offer you what is available if I sell it or not. I don't believe in high pressure sales.

Answer: I keep it simple in layman's terms. If they don't quite understand, I go over it again. I want to make sure that they are completely comfortable with the information received.

Answer: I always assist my mother after my Dad passed away. I want her to understand completely what her coverage is and any co-pays and deductibles.

Answer: I believe that it depends on the coverage and their needs. Some plans are better than others. It is a very personal decision.

Answer: Your insurance cannot cancel your policy because of your health. Nor can they raise your premiums because you use the policy more. It would only make a difference if you were to try to change a Medicare Supplement. They could tell you no due to healrh questions . I hope that answered your questions

Answer: It depends on what coverage that you have. Traditional medicare and a supplement you would pay out of pocket max $240.00 in 2025 if you had not met the deductible for part B. Depending on the lenses you choose to replace it ranges from $0 to $4,000 in 2025. Should you need glasses after the removal of the cataract medicare covers the first pair. Mind you, they are basic not designer frames.

With a medicare advantage plan, it depends on your outpatient copays

Answer: As of 2025 once you spend $2,000 out of pocket there is zero cost to you. Your part D plan picks up all costs.

Answer: That in my experience is a safety net if you have any health issues. I have heard from many clients of how it covers all of their bills with no out of pocket except for the premium when they went into the hospital. I feel that is a personal decision that needs to fit the individuals needs and price point. With advantage plans you have co-pays and deductibles. With a supplemental you know exactly what your expenses are.

Answer: If you do not pick up your part b when first eligible for Medicare you will be charged a penalty whether under 65 or at 65. If you are under 64 and do not pick up part b then, when you turn 65 and pick it up the penalty goes away.

For part d, if you do not pick up a plan when eligible then you have the penalty

Answer: The IRMA goes off of taxable income from the IRS, so yes when your income goes down so does the IRMA.

Answer: If they ask if you received your new medicare card. Do not give out the number. Medicare does not call you unless you ask for a return call.

Answer: Medicare Supplements or Medicare advantage plans do not normally cover anything internationally. You would be best advised to pick up travel insurance