Dismery Gonzalez, Medicare Insurance Broker

Answer: Yes. If Medicare approves the surgery, your Medicare Supplement Plan G will still pay its share after Medicare pays, even if the knee replacement was already scheduled when you enrolled. The only out-of-pocket cost Plan G doesn’t cover is the Part B deductible.

Answer: Under Medicare, these are 100% free (no copay, no deductible) if the provider accepts Medicare:

Annual Wellness Visit (not a physical)

Blood pressure, cholesterol, diabetes screenings

Depression screening

Mammograms

Pap test/pelvic exam

Colorectal cancer screenings

Flu, COVID-19, pneumonia vaccines

Smoking & obesity counseling

Not free: routine physical exams, shingles vaccine, or tests ordered for diagnosis.

⚠️ If a screening turns diagnostic, you may pay.

Answer: How will my health and cost change over the years, and how will it affect me? How can I prepare myself for the future.

Answer: Medicare will cover your siklled nursing facility stay for short-term rehab if you qualify. It does not pay for long-term custodial.

Answer: Usually it doesn’t change your Medicare coverage, but it can affect your costs. Marriage can help you qualify for premium-free Part A through your spouse, and your combined income may change your Part B or Part D premiums.

Answer: For a healthy 65-year-old, the most cost-effective setup is usually Original Medicare with a low-cost Part D plan, or a Medicare Advantage plan with a $0 premium.

Answer: The Extra Help program is financial assistance for people with Medicare with low or limited income. It helps cover for Part D prescription costs such as premiums, deductibles, and copays, making your medications much more affordable.

Answer: Medicare doesn’t reward healthy habits directly, but it does cover many preventive services at no cost. Some Medicare Advantage plans go further and offer fitness benefits, wellness programs, and even rewards for completing healthy activities.

Answer: Yes, some Medicare Advantage plans can cover acupuncture or other alternative therapies, but it depends on the plan. Coverage varies by plan, so the best way to know is to check the plan’s benefits or let me look it up for you.

Answer: The best way to know is to run a full prescription comparison. With all your parent’s brand-name medications, dosages, and preferred pharmacies into the Medicare system to see which plan covers them the best.

Answer: To verify if a Medicare Advantage plan’s advertised benefits are legit, you should check the plan directly on Medicare.gov, read the plan’s official Summary of Benefits, or contact the insurance company. As a licensed agent, I can also confirm the benefits for you because I have access to the official plan documents and updates.

Answer: Medicare agent can help you understand your options, compare plans, avoid mistakes, and get the best coverage for your needs — all at no cost to you.