Diana Salisbury, Medicare Insurance Broker
Diana Salisbury
Insurance Broker
Medicare Broker Licensed in OH, IN and MI
10+ Years of Experience
Contact Details
-
Location
Findlay, OH
-
Phone
-
LinkedIn
About Me
Please allow me to provide you with personal service in finding options to meet your Medicare needs including how do I apply for Medicare and various supplemental plans. After our enrollment, know that you can call, email or text me with any questions through the year in understanding even further how your policies work. I look forward to hearing from you.
Q&A with Diana Salisbury
What do you like most about being a Medicare agent?
Answer: What should I do if I miss the Medicare Open Enrollment period and I want to change my plan?
Contact me as soon as possible to see if you might qualify for a special enrollment period.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: How does losing a spouse impact my Medicare plan if I was on their employer plan Most importantly, you will have to check with the employer to see if insurance is still being offered to you. If not, there are a number of options to explore. Give me a call and we will review all options keeping you insured.
What's a common trick in Medicare marketing that hides restrictions on doctor choices?
Answer: You must check if your doctor accepts either a PPO or HMO with a specific plan. All plans do not have to accept all doctors.
Will Medicare cover everything my current employer plan does?
Answer: You can not assume that will happen. An agent or broker will help compare plans to see what type of plan will work best for you.
Why did I receive a Medicare Summary Notice, and what should I do with it?
Answer: You had medical appointments or services performed. This summary indicates what Medicare paid, if you have a secondary insurance plan (such as a Medigap plan), and if you have met your current year deductible.
I'm worried about affording my medications even with the 2025 changes. Are there additional assistance programs I should know about?
Answer: Yes, you can check to see if you qualify for Extra Help through Social Security, or apply for pharmaceutical assistance through the manufacture of the prescription.
I'm living solely on Social Security of $1,400 monthly and can't afford my Medicare premiums and copays. What assistance programs might help someone in my situation?
Answer: You might want to apply for Medicaid. If you qualify, your state will pay for your Medicare premium.
I need a hearing aid but I've heard Medicare doesn't cover them. Is there any way around this?
Answer: If you have an advantage plan, a number of carriers offer assistance with the cost of hearing aids if you use and go to their hearing vendor. Original Medicare does not cover the cost of hearing aids.
So with all these 2025 Medicare changes, should I be switching plans or staying put?
Answer: You should work with an agent or broker to go over what changes might impact you. This is a good every year practice to get starting doing.
I'm on Original Medicare with no supplement, and I'm wondering how much I'd pay if I need an ambulance ride to the hospital tomorrow.
Answer: Medicare always pays 80% first. You must always ask the provider if they accept Medicare and if so you will pay for the remaining 20%.
Is Medicare becoming more expensive over time, and will it ever be unsustainable?
Answer: Medicare is a little higher due in part to many COVID claims. Will it be unsustainable - that is something the Government has to work through.
I've been paying into Medicare for years, and I'm not sure why my specialist visits still cost me so much. What am I missing here?
Answer: If you have a supplement, such as a plan G, you must meet your 2025 deductible first - which is $257 this year. If you have original Medicare you will pay the 20% that Medicare didn't cover.
My doctor recommended a bone density test. Is this considered preventive care under Medicare?
Answer: Yes....Medicare Part B typically covers bone density tests also known as bone mass measurement\s for individuals who meet certain criteria. These tests are covered once every 24 months, or more frequently if medically necessary.
I'm caring for my dad who has Alzheimer's with lots of medications and I keep getting bills I don't understand. Any tips for not drowning in paperwork?
Answer: Work with an insurance agent or broker to help you understand what type of plan your Dad has. The medications should fall under Part D of Medicare, prescription coverage in either an advantage plan or a stand alone-prescription plan. Maybe the prescriptions aren't covered and you could ask his doctor if there is a generic version of an expensive prescription.
I've been diagnosed with bipolar disorder at age 66. How should I structure my Medicare coverage to ensure I get the mental health care I need?
Answer: You need to work with an insurance agent or broker to help navigate you to understand your insurance plan. Or check into the 2025 plan guide your Medicare plan you have.
I'm taking a brand-name medication that doesn't have a generic version. How can I find a Medicare Part D plan that will cover it at a reasonable cost?
Answer: Go to www.Medicare.gov and type in what prescription your taking. Then if not covered by one of the plans, your doctor might have to write an exception for your plan to help cover you.
What's the deal with Medicare covering medical equipment like wheelchairs- do I need a special approval?
Answer: Yes - your doctor needs to write an order for this and/or any durable medical equipment that would help you at home. If you don't get one from the doctor you can figure on paying for most of the cost out of pocket.
I'm enrolled in a Medigap Plan F, and I'm not sure how my emergency room visits are handled. Is there a copay I should expect?
Answer: There is no medical copay for anything with plan F. This includes, doctor's visits, hospital stays, emergency room visits, etc. It is a fabulous plan!