Dodi Befferman, Medicare Insurance Agent

Answer: Medicare has different parts that could be complicated to some people, but as a license agent we have the ability to guide and educate seniors and their family about differences on each plan, and maneuver through the complexity of Medicare.

I am passionate in helping people, going above and beyond to help them get the coverage they need and exceed their expectations.

Answer: It lower out of pocket limit for Part D plans to $2,000 for covered Part D drugs, the out of pocket cost includes Part D deductible copay.

Answer: It would be better if the agent complete them as they are the one meeting the client or beneficiary, this document must be completed by the Medicare client before the sales appointment to discuss the Medicare plans.

Answer: Depending on the person's recovery, yes, the rehab can be delayed as it is not part of inpatient hospital stay

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Answer: Both plans have their own features and benefits. The agent can provide a side by side comparison and explained it to the client so they can make a wise decision on which plan is beneficial for them. Some people want to have the all in one coverage, some people want the original Medicare plan for their choice.

Answer: They can change their Medicare plan during specific enrollment periods throughout the year. The Medicare Open enrollment period which runs from October 15 to December 7 each year. If they are on Medicare Advantage plan they can switch plans during the Medicare Advantage Open Enrollment which is January 1 to March 31.

Answer: Scope of Appointment (SOA), is normal and required before any in-person or telephone marketing appointment to ensure that the agent is only discussing the products that the person is interested in and avoid any surprise sales pitch. This includes the call centers.

Answer: The providers usually send an Annual Notice of Change during fall, highlighting any crucial changes to the coverage, premium costs and any other aspect of the coverage that will take place on January of the following year.

Answer: The occupational therapy can be use in home health benefit as part of comprehensive care by the physician and deemed to be medically necessary. In 2025, the threshold is $2410

Answer: If you missed the sign up window you still have options to enroll. You can enroll during the General Enrollment Period (January 1 to March 31) or potentially qualify for a Special Enrollment Period (SEP) due to specific life events. However, missing the IEP could result in late enrollment penalties for Medicare Part A and/or Part B, and your coverage start date might be delayed.

Answer: Medicare Open Enrollment: October 15 to December 7

General Enrollment Period (GEP): Runs annually from January 1 to March 31.

Special Enrollment Periods (SEP): allow you to make changes to your Medicare coverage outside of the open enrollment periods due to specific qualifying life events.

Answer: Being married doesn't change or affect your coverage, but if you and your spouse have a combined income that exceeds the thresholds for IRMAA, you will pay higher premiums for both Medicare Part B (medical insurance) and Part D (prescription drug coverage).

Answer: If you are enroll in Medicare Advantage, won't automatically guarantee coverage under Original Medicare and can lead to you being responsible for the full cost of the services.

your original Medicare plan is no longer active.

Answer: Seniors wait until last minute to enroll in Medicare as most of them are probably confused with all the advertising and most of all unaware of what Medicare plans to choose. I can assist them by explaining the all the options they have and guiding them to choose the best plan that fits their needs.

Answer: Working with a Medicare agent can simplify the process, get personalized guidance, can access a wide range of plans from various carriers and help navigate the complexities of Medicare.

Answer: If you are already on disability, you automatically get Medicare after getting disability benefits for 24 months. You'll get Part A - automatic and Part B you will need to sign up for it within 3 months after Part A starts