Don Hudson, Medicare Insurance Broker

Answer: The best part of working with a local broker is you can build a relationship that can last a lifetime. Personalized attention is very important when it comes to your healthcare needs. If you are unable to drive to meet your broker they can come to you.

Answer: If you have a severe or disabling condition that recently occurred and are enrolled in a Medicare Advantage plan you may qualify a (SEP) Special Enrollment Period.

If you have a Medigap plan most likely no changes will be needed.

Answer: Medicare Part A does not cover Outpatient surgery. Medicare Part B covers outpatient surgery with 20% coinsurance you are responsible for.

Answer: Medicare is personal health insurance for each individual. It's important to discuss all your previous heath conditions and future conditions you may see approaching in the near future.

On example maybe: (Planning on a surgery in the coming year).

Answer: The biggest disadvantage would be that your current doctors are not in your network or changed networks. The downside is now you need to change networks, and all your doctors may not be in the same network

Answer: It all depends on the seniors needs, everyone has different needs and has a different budget. Plan G is the best and most comprehensive plan but cost a bit more than other plans.

Answer: Medicare focuses on Short term care in a hospital or rehabilitation services. Medicare is focused on healthcare. If you plan on going into a LTC facility or are concerned that some years down the road you may need to go into a LTC facility, it's best to look into other options that can assist you with LTC benefits. Many Life Insurance and Annuity products have LTC riders that can provide you with benefits.

Answer: Many seniors do not understand the puzzle, it's very difficult to navigate if you do not understand how all the parts of Medicare differ. Many people don't realize in the beginning Medicare is an individual plan not a group plan.

Answer: Almost all Medicare Advantage plans cover more than just cleanings. I would recommend you sit down with your agent and have them explain the benefits and details for your dental coverage.

Answer: Life Insurance is a necessary part of everyone's financial future as is Health Insurance. Life insurance is not only to help offset burial costs but most importantly to protect your spouse and your family from extreme hardship. Life insurance in the past was also known as (Death Insurance) because the insurance company would only pay out when you died. There are many types of Life Insurance policies today, some will assist you with bills or help offset the cost if you suffer from a chronic illness and others that will help you build wealth.

Answer: The US spends approximately 12,000+ dollars per year for each person on Medicare as of 2023. A total of approximately 4.8 trillion overall for everyone in the US. This was approximately a 7.5% increase from the previous year (2022).