Dennis Irwin, Medicare Insurance Agent

Answer: It must have been a medically necessary issue and you will be taken to the nearest location for treatment. you must still pay part B deductible and 20% of the cost so there could be an expense.

Answer: You can pay premiums up front and also get your spouse to enroll so you will get a household bill. Use your discounts on related items. Lastly talk with your agent to discuss a lower plan.

Answer: You have to be on disability for 2 years then you may be able to enroll in Medicare. Discuss this with qualified agent.

Answer: Having to record all calls. Medicare requires all calls to be recorded. some people just ask for simple questions like can I gat a new card? No need for the call to be recorded. I believe Medicare placed this requirement because unscrupulous agents force people to enroll in the wrong plan.

Answer: Medicare only covers 100 days in a nursing home with special requirements. After 100 days you are on your own and should be paying the cost in full unless you purchased long term care insurance.

Answer: Yes Medicare will cover glucose monitors for those with Diabetes. Certain requirements may apply so discuss with your doctor.

Answer: NO Medicare does not cover cannabis. There are many alternatives for chronic pain including some specific synthetic choices

Answer: It is difficult to say which is better without knowing the persons health issues. They should always talk to an experienced agent.

Answer: Medicare advantage plans may show a zero premium but they also have a higher copay or coinsurance. Medicare enrollees should not quickly choose zero premium plans without weighing the copays and coinsurance for their specific health situation.

Answer: Brokers and agents make commission's when they enroll a person. The amount varies depending on the plan and location. Quality agents don't let commissions influence their recommendations. Look for the most experience local agent.

Answer: There are specific times and/or situations you can make a change to your plan. You shousld talk to your agent to confirm how and when you can change.

Answer: Automation helps with referrals and appointment reminders. As a person accumulated more complicated medical issues it becomes difficult to remember what is required and at what time.

Answer: NO. Most plans should cover your new medication unless it maybe would not be on their drug list or a brand new medication release. If it is not on the list your doctor can ask for an exception.

Answer: The donut hole was eliminated in 2025. Once your spend $2100 in 2026 the rest of the years cost is zero.

Answer: Certain plans or Medical needs may approve implants but in general most plans do not cover implants. If there is some coverage for dental there will likely be a copay or coinsurance.

Answer: Please contact local experienced agent who has years of experience. Medicare changes every year and you should be aware of the lates changes and benefits.

Answer: Yes. it will help with how to deal with Alzheimer's. but will only help for 100 days if in a nursing home.

Answer: Part D plans have evolved a lot too. It is OK and important to put your drugs into the Medicare.gov search and it will help direct you to an appropriate plan. You can have different Part d plans with different supplementals.

Answer: Most people I visit are looking to buy the cheapest premium. This is the wrong approach. They need to review the costs of all benefits sand choose one including premium which fits their own needs and budget.

Answer: Medicare is a complicated situation and it changes every year. Trying to do it yourself is very difficult and time consuming. Look for a local agent who has years of experience

Answer: Not that I am aware of. best to check with a local agent or go online to Medicare.gov. There may be some meetings this fall during AEP annual enrollment period.