Donald Baker, Medicare Insurance Agent

Answer: First you look st your monthly income then your liquid assets ie cash available. If you fall in required guidelines, then move forward with an application. The application Is completed through Social Security.

Answer: Original Medicare does not have networks. If the Medical doctors or hospital accepts Medicare then you will be covered, however you might have co-pays which would be determined by what type of Medicare Supplement plan you also have.

Answer: Yes location both state and county are considerations. Benefits will vary depending on your legal residence.

Answer: Your out of pocket Medicare prescription drug costs count towards your $2,100 max costs for 2026. Make sure the drugs fall within the formulary of your PDP plan.

Answer: The most likely reason. For part B is they waited over a year after receiving part A and did not have credible medical insurance coverage.

As first part D usually the same reason As mentioned already however they went over 63 days with no prescription drug coverage.!

Answer: I would suggest you ask the doctor if he or she accepts Medicare. Then ask them if they accept a Medicare Supplement or Medicare Advantage. That is a start, then you can ask that office what they expect to receive from.

Answer: The latest scam that a client experienced is caller id said CMS Medicare, voice mail left. Watch for another call coming from the same caller id and message left is the same. This is a scam. They purchase a block of phone numbers and choose what they want the caller id to show. They do this in an attempt to confuse you I. Hoped of you answering the phone.

Answer: GThst will depend upon what Medicare insurance plan you have.

Some plans offer coverage with cost shares.

Answer: Verify your husband’s insurance is credible insurance in the eyes of Medicare. The point in time you will need a letter from his employer is when you’re ready to sign up for part B.

Answer: Both plans work with Medicare. The answer to your question lies within your personal circumstances. Both have positives. I would meet with a licensed agent to go over your given situation so you can make an informed decision.

Answer: If you qualify it can help with your Part B premium as an example. That could add the savings to your Social Security.

Answer: As a general rule having a Medicare Supplement or Medicare Advantage PPO plan could provide that coverage as you travel. I would check with a qualified licensed agent to help sort this out for you.

Answer: Ask how long they have been working with Medicare? The more experienced will usually ask a lot of questions first without pointing to any coverages.

Answer: My best advice is contact a trusted advisor to go over their particular situation including overall health and medical needs. Both type of plans have unique benefits and the individual needs to pick the correct one that fits their situation.

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.