Diondra Newton, Medicare Insurance Broker
Diondra Newton
3:16 Life & Health Solutions
Medicare Broker Licensed in FL
Contact Details
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Location
Groveland, FL
About Me
Greetings! I'm Diondra, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Diondra Newton
Does Medicare cover MRI scans?
Answer: Yes, Medicare does cover MRIs, but the amount of coverage depends on the plan you have. If you have Original Medicare (and the doctor or facility accepts Medicare), Medicare would pay 80% of the cost and you (or your Medicare Supplement plan) would be responsible for the 20%. Medicare Advantage plans cover MRIs, but prior authorization for MRIs must be obtained. There may also be a copayment or cost-sharing amount to be paid, depending on your plan.
How do I apply for Medicare if I qualify because of a disability?
Answer: If you qualify due to disability, you typically will automatically be placed on Medicare after 24 months. This does depend on your specific type of disability income. SSDI or Social Security Disability Income is automatically eligible for Medicare of a person is diagnosed used with ALS (or Lou Gehrig’s disease), End Stage Renal Disease (ESRD) and receiving dialysis, and some other conditions. There are some exceptions to the waiting period. Check the Social Security Administration’s website for more info.
How do I find a trustworthy Medicare agent in my area?
Answer: To find a trustworthy Medicare agent in your area, try searching your local Facebook groups or NextDoor app for recommendations. Once you find someone that you believe has potential, contact them and set up an appointment (in-person or virtually). If they take the time to educate you (if needed), answer your questions and do not pressure you to make quick decisions about your coverage, you have most likely found your next agent!
Are there really zero-premium Medicare Advantage plans, and what's the catch?
Answer: Yes, there are numerous zero-premium Medicare Advantage plans. There is no “catch,” as the plans are required to be upfront about their services, limitations, etc. Keep in mind that, although a plan may be zero-premium, Part B premiums paid to Medicare are still in effect.
Who qualifies for Medicare coverage if they are under 65?
Answer: Individuals that are disabled, have ALS or Lou Gehrig's disease, and those that have End Stage Renal Disease (ESRD) may be eligible for Medicare under the age of 65. Specific timeframes and disability statuses apply, so contact Medicare or your local agent to assist with determining your qualification for Medicare before the age of 65.
What is the trap of Medicare Advantage plans?
Answer: There technically is no "trap" with Medicare Advantage plans - it works well for hundreds of thousands of people all across the nation. When people speak of potential limitations to Medicare Advantage plans, it typically has to do with the need for services to occur within a specific network. To some, this is a disadvantage. To others, it is very similar to what they were used to when they had employer group coverage. There are limited plans that provide greater flexibility in choosing doctors and providers, depending on your area.
What is one of the the most common misconceptions people have about Medicare?
Answer: A common misconception about Medicare is that it is extremely expensive or it is not as creditable as employer coverage. There are a variety of Medicare plan options available for those that are eligible, and working with a good agent assists you in finding the appropriate options for your specific situation.
What if you have Medicare and SSI or you have both Medicare and Medicaid how do you qualify for LIS or Extra Help?
Answer: Qualification for LIS or Extra Help typically depends on your income and assets. There are certain thresholds, depending on your specific household, that must be met in order to qualify. Contact your local Medicare agent for assistance or the Medicaid office nearest you for additional information.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a trustworthy and reliable Medicare agent helps take the hassle out of finding the best Medicare plan for you, whether it be a Medicare Supplement or Medicare Advantage option. Medicare agents have the expertise to help you navigate potential challenges that may come with navigating Medicare costs, networks, requirements and more. Working with an agent gives you confidence and peace of mind.
How do I find local Dentists that take my Medicare coverage?
Answer: Check your evidence of coverage document for your insurance plan and locate the name/website of the dental plan associated with your Medicare plan. Quite often, the name of your dental plan will differ from the name of your Medicare plan. Once you find the name and contact info for your dental plan , utilize your plan’s website or call their customer service number to locate a network dentist in your area.