Dominic Javier, Medicare Insurance Broker

Answer: The Medicare process can be overwhelming. A licensed Medicare broker will listen to you and give you information about your coverage options that is based on your needs and preferences. Working with a trained broker can help you save time and money, ultimately helping you find the right health plan.

The Medicare process can be overwhelming. A Medicare broker is an independent adviser who represents multiple insurance companies and can help you evaluate plan options, along with helping you enroll into a plan.

Please note, I used 'broker' instead of 'agent' because I am here to represent the needs of the clients with a fiduciary obligation, whereas the later is an employee whose obligation is with an employing nsurance company.

Answer: Medicare covers home health services under Part A and/or Part B. Medicare covers durable medical equipment, in your case, heart monitoring device, and medical supplies for use at home. You will pay nothing for home health services. However, for Medicare-covered durable medical equipment, you will pay 20% of the Medicare approved amount. The Part B deductible applies.

Answer: Because Medicare (Advantage and Supplement) involves complicated rules and procedures, lest updates and revisions from time to time, most beneficiaries get confused, eventually frustrated. You will need to understand Medicare/Medigap benefits, coinsurance, deductibles, copayment, hospital benefits, blood pints, hospice, skilled nursing care, etc.

You will need a licensed, AHIP certified person who knowledgeable and experienced to guide you through the rules and procedures that will clearly give you practical options and solutions.

Answer: Issuance and sales of Medigap (Medicare Supplement Insurance) plans are regulated by States, which have varying laws 'bluesky' like guaranteed issue rights, marketing, commissions, etc. And, depends on the medigap plan (A to F) you are subscribed with. For instance, the foreign travel benefit pays 80% of charges after the $250.00 deductible, up to a $50,000.00 lifetime maximum. Your premium depends on the plan you acquired.

Answer: Medicare plans that have Coordinated Care Plans have a network of preferred providers such as Health Maintenace Organization (HMO), Preferred Provider Organization (PPO) and Private Fee for Service (PFS). Check well if the area of coverage of your plan covers your home area.

Answer: As we know, PPO has in-network and out of network and the latter will cost you more. Annual wellness is usually covered and should be in-plan - free of cost within your PPO network. Check the plan with your PPO if indeed annual wellness is part of the program.

Answer: Lab tests are usually prescribed by your doctor (in-network) and coverage of tests should be thereby indicated. You can call and ask the laboratory prior to the test so you'll know your benefits and the net cost, out of your pocket.

Answer: To get an E-visit, Telehealth, you must request one with your doctor or other provider. You will pay the 20% of the Medicare-approved amount for your doctor's or other provider services. The Part B deductible applies. The E-visits allow you to talk with your provider using an online patient portal.

Answer: The premiums are the periodic payments (monthly, quarterly or annual) the beneficiary pays without fail to maintain an ongoing Medicare plan. The deductibles are the maximum payment the benficiary have to pay initially per benefit period before Medicare benefits starts. And, copay synonymous to coinsurance are additiinal payments you'll have to make usually after enjoying the benefit. These cost components play along with the type of plan you have and will vary based on each amount of the cost element.

Answer: Medicare covers E-visits or telehealth using an online patient portal. To get an E-visit, you must request one with your doctor. You will 20% of the approved Medicare amount for your doctor's or other provider's services. The Part B deductible applies.

Answer: Yes, they are terminologies referring to same nature. In the Medicare industry, it is know as Medicare Supplement Plan or Medigap sold by private insurance companies to augment your Medicare plan.

Answer: Among the federal entities that are under review, The Health Care System and Education System are one of the top tiered entity the current and even the past government never failed to fund. The health care system nowadays is focused on taking good care of our senior citizens and improve the booming side of our population. With JFk Jr. Medicare is here to grow and innovate MAHA.

Answer: PACE - Program of All-inclusive Care for the Elderly (PACE) should be an option. PACE is a Medicare and Medicaid program offered in many states that allows people who need a nursing home-level of care to remain in the community, like home, apartment, or other appropriate setting. PACE covers all Medicare and Medicaid -covered care and services the team of healthcare professionals decides are necessary to improve and maintain your health.

Answer: Yes, through the cognitive assessment and care plan services that will look for signs of dementia, including Alzheimer's disease. Signs of cognitive impairment include trouble remembering, learning new things, concentrating, managing finances, or making decisions about your everyday life. Your doctor should check on you and give you are care plan, including supervision 24/7 if indeed needed.