Dustin Diesman, Medicare Insurance Broker

Answer: If you travel a lot, you should look for a Medicare plan that gives you access to doctors and hospitals where you'll be spending your time. Be sure to understand the provider network, urgent care and emergency coverage, and if the plan offers any international travel benefits. Your travel habits can make a big difference in choosing the right Medicare coverage.

Answer: Absolutely. It's a good idea to talk with more than one Medicare broker if it helps you feel comfortable with your decision. There is no additional cost to work with a licensed Medicare broker. The most important thing is finding someone you trust who takes the time to understand your healthcare needs, represents multiple insurance companies, and explains your options clearly.

Answer: Technology is making it easier to compare plans, schedule appointments, and access healthcare through services like telehealth. But even with these improvements I believe personal guidance will remain important because Medicare rules and plan options can still be confusing for many people. Plus, when you work a licensed Medicare broker, you have someone in your corner to help you when questions come up or your healthcare needs change.

Answer: Medicare will never call you unexpectedly to ask for your Medicare ID number, bank account information, or payment over the phone. Be cautious of unsolicited calls, emails offering free medical equipment or promising benefits that sound too good to be true because it usually is. Review your Medicare Summary Notices or Explanation of Benefits regularly and report any charges or services you don't recognize.

Answer: In most cases you'll still pay your Medicare Part B premium even if you're living abroad for part of the year and do not use your coverage. While it may be tempting to cancel Part B to save some money, by doing so could lead to permanent late enrollment penalties and gaps in coverage if you need it again in the future. That's why it's important to review your options before making any changes.

Answer: Think of drug tiers as pricing levels. The lower tier medications usually cost less or even $0, while higher tier and specialty drugs generally have higher copays or coinsurance. Since each Medicare Part D plan has its own list of covered drugs and tier placements it is always a good idea to compare plans based on the medications you take.

Answer: I'm sorry for your loss. Your Medicare coverage will usually stay the same. But your spouse's employer plan may change or end. You may have options like COBRA or other coverage options available as well. That is why it's important to review your situation promptly to avoid a lapse in benefits.

Answer: Yes, you can absolutely work full-time while on Medicare. The important question is how your employer health insurance works with Medicare. Depending on the size of your employer and your current coverage, you may be able to delay certain parts of Medicare without a penalty. That's why it's a good idea to review your options before making a decision.

Answer: One disadvantage of a Medicare Advantage plan is that you may be limited to a network of doctors and hospitals. You may also need prior authorization for some medical services. Benefits, provider networks, and drug coverage can also change each year. So, it's important to review your coverage annually to make sure it still meets your healthcare needs.

Answer: A Medicare agent can help you compare plans from multiple insurance companies, understand your compare your doctors and prescriptions, and choose a plan that is designed specifically for you and your budget. An experienced agent can also explain enrollment deadlines, help you avoid common mistakes, and continue to provide support if your healthcare needs change in the future.