Earl Beck, Medicare Insurance Agent

Answer: There is a big difference between Medicare Part D and Medicare Advantage. Medicare Part D is a stand alone Prescription Drug plan. AMedicare Advantage plan is your health care plan and can include Prescription Drug coverage.

Answer: Original Medicare does not pay for dental implants. However some Medicare Advantage Plans have dental coverage plan that include dental implants.

Answer: No, Medicare does not cover supplements, herbs, homeopathy or other natural alternative medicine treatment.

Answer: No, if you have a Medicare Advantage plan and your provider does not accept that particular plan, you can not show your Original Medicare Card instead. Your Medicare Advantage plan is your Medicare Part C plan, and takes the place of Original Medicare.

Answer: Original Medicare, Parts A & B do not cover holistic medicine and care. Medicare Part C, Medicare Advantage plan may cover holistic medicine and care as long as it is done by a licensed practitioner.

Answer: Yes you can keep seeing your current doctors if you switch to a new Medicare Advantage plan. Providing your doctors accept that new MA plan and is in the network of coverage. It woukd be best to check with your doctor to see if they accept your choice of plan's.

Answer: Your health care provider is your doctor, your PCP (Primary Care Physician). Your PCP doesn't have anything to do with your Annual Notice Of Change. Your Annual Notice Of Change (ANOC) comes from your health insurance policy carrier.

Answer: Yes, when a Medicare Agent signs up.a client on a specific insurance plan from a specific insurance plan carrier, they are paid by that specific insurance plan carrier. That's only common sense.

Answer: You explain to the client that even thoughbtheirbisca $0 monthly premium, there are still costs involved. There are copays, coinsurance costs, deductibles, etc.

Answer: Yes youbcan meet with a medicare advisor on behalf of your parents. However you must have them present with you or have legal medical POA to do so.

Answer: Yes, your Medicare Advantage plan can offer extra coverage for breast cancer services beyond what Original Medicare provides. MA plans must provide at least the same coverage as Original Medicare Part A and Part B, but many include additional benefits that can help with the costs and logistics of cancer care.

Answer: Yes, Medicare Part B does cover nutrition counseling to manage diabetes and kidney disease. Referred to as Medical Nutrition Therapy.

Under Part B, Medicare's medical nutrition therapy services (MNT) are for people with diabetes, kidney disease or recent kidney transplant recipients . Benefits include nutrition and lifestyle assessments, individual or group nutritional therapy services, help managing eating habits, and follow-up visits to check on progress.

Answer: Although Medicare Advantage plans offer beneficiaries a variety of attractive features, there are some aspects of these private plans that healthcare professionals may dislike.

While enrollees value these benefits, doctors may find some of the administrative hurdles associated with these plans to be challenging. Potential issues with Medicare Advantage plans include:

requiring prior authorization for procedures that Original Medicare does not

denying coverage for certain services

limiting members to strict provider networks

Answer: The types of Medicare Advantage Plans are, HMO's, PPO's, and LPPO's. The HMO's are a very strict network. You can not go outside the network without being responsible for all costs. You can go outside the network in an emergency situation. The plan still pays, but they pay a lesser amount. The PPO's, you can got outside the network without a referral. The LPPO's are a hybrid cross between an HMO and a PPO.

Answer: Those Americans receiving SSDI will automatically be enrolled into Medicare Parts A & B not later than their 25 month after their SSDI started. If an American citizen is receiving SS benefits other than SSDI (at age 62), they will automatically be enrolled into Parts A&B when they turn 65.

Answer: The most underrated benefit of Original Medicare is freedom of choice. With Original Medicare you can see any provider as long as they take Medicare. no referrals are needed and it travels well. The coverage is Nation wide.

Answer: It is best to review ypur current pkan and it's benefits and coverage before Medicare Annual Enrollment Period starts. Knowing your current health care needs, it will tell you if your current plan will be sufficient and give you the coverage and benefits that you and your health care requires. If your health care needs change, then you would need to consider looking st a different Medicare Advantage plan during Annual Enrollment Period to see if a different plan would be a better medical fit for you.

Answer: Medicare Advantage Annual Enrollment Period (AEP) runs from October 15th to December 7th. To change your Medicare Advantage (MA).plan, you need to do with in that time frame for the new plan to take effect 1/1/2026.

Answer: You need to check with Medicare to see if they do or don't cover the required procedure. Depending on the type of health care plan you have, whether a Medicare Supplement plan that works with Medicare, or a Medicare Advantage pkan that works besides Medicare. Also check with the plan coverage carrier yiu have to see if they cover that required procedure.

Answer: Agents represent various insurance companies. Brokers represent the consumer.

The biggest difference between a Medicare Agent and a Medicare broker is that an agent represents one or more insurance companies, while a broker works for the person looking for the best Medicare plan for their situation.

Agents and brokers both compare Medicare plans and combinations of plans to come up with the best options based on price and need

Answer: There is an enrollment period every year called Annual Enrollment Period (AEP). Goes from October 15th to December 7th. That is when you can change your Medicare health care plan. Thete is asm enrollment Period called Special Enrollment Period (SEP). You have an SEP if you lose employer sponsored coverage or move out of the coverage area of your current plan.

Answer: You shoukd make sure you know what the benefits of Medicare are. Your options for a Medicare health plan are either a Medicare Supplement plan or a Medicare Advantage plan. A MedSupp plan works with Medicare but does not have Rx Drug coverage. Woukd need a stand alone Rx Drug plan. A Medicare Advantage plan can have Rx Drug coverage. Works without Medicare.

Answer: The most overhyped benefit is the "money back" plans that many Medicare Advantage Plans offer. Don't get me wrong, they are a good product IF you are aware of the other benefits that are not nearly as robust as the non "money back" plans. There are some insurance products to pair with "money back on your Part B plans" that most brokers are not aware of.

Answer: Hospitals take Medicare Advantage pjans. It all depends on what network you Hospital is in and what area of coverage your MA plan covers.

Answer: Medicare covers a range of preventive services under Part B. Eligible beneficiaries often have no out-of-pocket costs for these services.

Answer: The Medicare Diabetes Prevention Program (MDPP) is a free program for eligible Medicare beneficiaries at risk of developing type 2 diabetes, teaching them healthy lifestyle habits to help prevent the disease.

Answer: If you go with the cheapest Medicare plan there is, you could be missing out on the benefits they absolutely need.

Answer: Being able to help seniors orcanyone on Medicare, with their health care plan. Answer their questions about Medicare. Makecsure they understand their health care plan options. Making sure they understand the coverage benefits in the plan they choose.

Answer: Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

Answer: Very carefully. You make sure they understand completely. You explain about all four parts and what they cover.

Answer: Make sure yiu enroll in both Medicare Part A and Part B. Medicare Part A is free if you've worked (40) quarters or (10) years of your life. If not, ther will be monthly premium. Medicare Part B has monthly premium of around $185.00 +/- for 2026. The Part B premium can be deducted from your S.S. amount.

Answer: The Maximum Out Of The Pocket limit (MOOP) is made up of copays and coinsurance. When a person reaches their MOOP, their plan pays for everything, 109%.

Answer: You coukd not to change to a Medicare Advantage plan, that has Rx Drug coverage. It depends on what "Tier" level your specialty medication is in or falls under. Normally it is Tier 5, which means a higher cost depending on the medication.

Answer: Some Medicare Advantage plans have a $0 monthly premium. Other plans do have a monthly premium. It al depends on what plan you go with in your area. Medigap plans always have a much higher monthly premium, depending on the "letter" of the plan you choose. Medicare Advantage plans have networks. Medigap plans don't have networks. You can go to any doctor you want with a Medigap plan. However no Rx Drug coverage with a Medigap plan. Need a stand alone Rx Drug plan. Another monthly premium.

Answer: Medicare covers cataract surgery if it’s deemed medically necessary. However, while Medicare pays 80% of the cost of the procedure, you’re responsible for the remaining 20%. Medigap plans can help cover that remaining 20%, and some charities offer access to free surgery if you qualify.

Answer: You shoukd work with a Medicare agent to be assured you will get answers to your Medicare questions, also to get help in finding the right Medicare Part C health insurance pkan.

Answer: No, Medicare does not cover hearing aids. Medicare does cover ear related medical conditions. A private health insurance plan, your Medicare Part C, does cover hearing aids and a hearing exam.