Dionisio Guillermo, Medicare Insurance Agent

Answer: Yes if it is medically necessary as certified by a Doctor. Alternatives are Medicaid, Caregivers, long term care.

Answer: Being a Medicare agent is a great opportunity for me to help my co-senior citizens have the most appropriate health insurance plan available for them. I also like the earning potential as an independent Broker!

Answer: NO, Medicare Supplement plans are complementary to Medicare, while Medicare Secondary Insurance refer to any insurance that pays after Medicare!

Answer: YES, anybody who receives SSDI (Social Securitity Disability Insurance) benefits will be eligible for Medicare after 2 years of receiving those benefits including those who are disabled due to accident.

Answer: Medigap is right for you if you frequently travel and can go to any doctor of your choice! There is an open enrollment for Medigap or Medicare Supplement plans

Answer: No, this part of their marketing strategy which is allowed by Medicare, however, prospective enrollees must consider the value of the plan such as coverage, cost, etc.

Answer: These visits are covered by Part B if it is ordered by a doctor as medically necessary. Part B covers 80% of the approved amount for the therapy service after applying the deductible and you are responsible for the 20% coinsurance.

Answer: Your cost is based on several factors such as administrative costs, risk costs, etc and the need to cover the costs of those who n do require extensive medical care. Even the healthy Medicare members contribute to the pool to ensure that those who need more care can receive it.

Answer: When you relocate from California to another state, your Medicare coverage may change in the following ways:

1. **Original Medicare (Part A and Part B)**: If you're enrolled in Original Medicare, your coverage will remain the same regardless of which state you live in. However, you should update your address with Social Security to ensure that you receive important information and correspondence.

2. **Medicare Advantage Plans (Part C)**: If you have a Medicare Advantage plan, your coverage may change significantly since these plans are often network-based and vary by location. You will need to check if your current plan operates in the new state and may have to select a new plan during the Medicare Open Enrollment Period.

3. **Medicare Prescription Drug Coverage (Part D)**: Similar to Medicare Advantage plans, Part D plans can vary by region. If you move, you’ll need to see if your current plan is available in your new area or if you need to choose a new plan.

4. **Enrollment Periods**: If you move, you may qualify for a Special Enrollment Period, allowing you to switch your Medicare Advantage or Part D plans outside of the regular enrollment periods.

Be sure to research your options in your new state and consider contacting Medicare or a licensed insurance agent for personalized guidance.

Answer: If you are on insulin treatment and certified by your doctor as medically necessary, Medicare Part B may cover it.

Answer: It means that once you reach your deductible, you will only pay a small copayment for your prescriptions. It gives relief financially to those with high medication costs.