Donald Baker, Medicare Insurance Agent

Answer: Creditable coverage is health insurance that meets CMS guidelines for health insurance including prescription drug coverage. Apples mainly when you become Medicare eligible and continue your current insurance coverage and don’t opt into Medicare A,B and D.

Answer: That depends on the insurance plan you currently have. It also might depend on your new medical condition.

Answer: If you are already 65 and have not established a social security account do so. If you have an individual account already and know when you want to retire, start the process within 90 days of retirement. Also obtain a letter from your employer showing you have credible coverage thru them.

Answer: Your out of pocket approved prescriptions costs are capped at $2,000. Once you reach that out of pocket cost your prescription costs are $0

Answer: Start the process of applying for Medicare, ideally on line as soon as possible and request an effective date for part B. Obtain a letter of having had credible insurance from your employer to avoid penalties.

Answer: The answer is pretty clear. Check with your insurance coverage to verify under what circumstance your coverage travels with you.

Answer: Original Medicare is a US medical plan. Therefore if your concerned about foreign coverage you would need to verify your coverage with your individual Medicare Insurance plan covers foreign medical needs.

Answer: Every circumstance is different. You should meet with a licensed insurance advisor to discuss your individual situation, .

Answer: Medicare does offer some support for prediabetes. There is also help available within certain Medicare Supplement as well as Medicare Advantage plans.

Feel free to reach out to me and I can cover in more detail given your specific situation.

Answer: You will bring your current plan with you for a limited period of time, once you change your formal state of residency you will need to change plans.

That will depend on plans available in your new state.

Answer: Once the agent gathers the facts about your situation they would have a better idea if your plan is right for you,

You can review plans listed in the annual booklet sent from CMS or have a direct conversion with an agent.

Answer: Licensed certified agents know the right questions to ask so you receive reliable information to make an informed decision.

After receiving information from you about your situation and needs, they can make a recommendation based upon your answers.