Eli Roque, Medicare Insurance Broker
Eli Roque
Southern Benefits of Arizona LLC
Hablo Español
Medicare Broker Licensed in AZ, CA, FL, KS, MT, NM, NV, NY, SC, SD and TX
Contact Details
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Location
Tucson, AZ
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Phone
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Website
About Me
Hello, I'm Eli, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Eli Roque
Answer: We have Medicare advantage plan that can help with the cost of dialysis depending in which county you live.
Answer: Medicare benefits only cover Part A Hospital and Part B Medical which means no coverage for long term care . Included in no coverage is prescriptions drugs.
Answer: Not only are Medicare advantage benefits different from state to state , the benefits can change from county within each state . l
Answer: Simply said Medicare D is for prescription drug coverage!! Medicare Advantage plan most of them include Part D coverage and you also can include a Part D standalone to accompany Medicare Supplement or Original Medicare !!!
Answer: Different( CSP) chronic plans can estimate your Medicare Costs . You can also visit Medicare. Gov to get answers related to Medicare Cost !!
Answer: A Medicare Broker represents many Medicare Advantage Programs and Medicare Supplement Plans and Medicare Agent represents only one Advantage Plan and Medicare Supplement Plan!!
Answer: On Medicare Advantage plan you will have copayments for services rendered. You will have to look at your summary of benefits or call customer service of the Medicare Advantage plan you have!!
Answer: Both Medicare advantage plans and standalone Part D plan have a list of prescription drugs that they cover and cost which is the formulary !!
Answer: Medicare Advantage and Medicare Supplement and Medicare will cover if the medical service were an emergency and or urgent care.
Answer: You will need to get a POA (power of attorney) it might be to later for your parents because they have to verbal and written consent .You should look for legal help !! Normanly this conversation should take place with parents that are of sound mind,and speak with silbings that everyone is in agreement with the arragement that you will be the person that signoff has your parent medical and financial POA ( power of attorney ). With this sign document you can then send copies to authorizing medicare and or medicare advantage or medicare supplment plan and financial institutions that you are your parents POA. They will then add your name to your parents accounts .
Answer: Yes you must pay Part B deductible and most like will have to cover 20% of the total cost of your physical therapy.Do to that Part B of medicare normanly cover 80% of total cost.( advise )Talk to doctor who referred to the therapy and the provider and figure out how long the treatments will be so you can figure out a budget.
Answer: The general rule is at age 65 if you have worked over 10 years or 40 quarter you will be intitled to PART A HOSITAL and which the premium was payed with payroll deductions and then enrolling into PART B MEDICAL which then will be accompany with a monthly premium for PART B on a monthly basic normanly deducted from your social security check. If we are still working we must have creditable insurance though our employer if not true and we do not apply for PART B durning our intial period , ( 3mos.before ,the month of our birthday,and three mos. after our birthday) then we will find 10% for every 12 mos. period that we don't apply.
Answer: THAT IS ONE OF THE PREVENTIVE TESTING THAT IS RECOMMENDED AND PAYED FOR WITH NO COPAY BY MEDICARE AND MEDICARE ADVANTAGE ALIKE . I RECOMMENDED THAT ALL BENEFICIARIES OF BOTH ORGINAL AND MEDICARE ADVANTAGE PLAN TAKE A SERIOUS LOOK AT THE LIST OF PREVENTIVE TESTING THAT IS COVERED BY THE PLAN AND ASK YOUR PRIMARY CARE TO GIVE YOU REFFERAL TO ALL OF THEM AND MAKE SURE TO COMPLETE THE TESTING IT CAN SAVE YOUR LIFE.!!!! ZERO COPAY FOR MOST !!
Answer: MAKE SURE TO LOOK AT STAR RATING AND SEE THE DOCTOR NETWORK AND THE FORMULARY .MAKE SURE TO TAKEM TO A BROKER AFTER RESEACHING TO REINFORCE YOUR FINDINGS .IT WILL SAFE YOU ALOT OF SLEEPLESS NIGHTS.
Answer: CREDITABLE COVERAGE REFERS TO PART D DRUG COVERAGE FROM AN EMPLOYER RETIREMENT PLAN THAT IT DRUG COVERAGE SHOULD BE AS COMPARABLE AS MEDICARE PARTD PLAN . IF NOT THEN THE BENEFICIARY Has 63 DAYS TO GET INTO A MA PLAN WITH PART D COVERAGE , OR ORIGINAL MEDICARE PLAN W A STAND ALONE PART D COVERAGE AND IF THE BENEFICIARY DOES NOT THEY WILL BE HIT WITH A PENALTY 0F 1% MONTHLY FOR EVERY MONTH THEY GO WITH OUT PART D COVERAGE.
Answer: IF THAT IS HAPPENING THEN THEY MUST BE REPORT TO MEDICARE BECAUSE THAT GOES COMPLETELY AGAINST THE RULES .MEDICARE PLAN OR IT AGENT/BROKERS CAN'T OFFER GIFT CARDS OR INCENTIVES FOR BENEFICIARIES TO ENROLL IN THEY'RE PLAN.
Answer: THE DONUT HOLD WAS REMOVED FROM THE PARTD PLAN AS OF 2025 SO YOU AS A BENEFICIARYDON'T NEEDED TO MANAGE IN WITH YOUR MEDICATION COST.
Answer: YOU CAN FIGURE IT OUT A FEW WAY BY GOING ON TO YOUR MEMBER PORTAL OF THE PLAN AND LOOK FOR THE SUMMARY OF BENEFIT AND LOOK FOR HEARING AID COVERED . OR SIMPLE CALL YOUR CUSTOMER SERVICE NUMBER ON THE BACK OF YOUR ID CARD AND ASK IF THE HEARING AIDS ARE COVERED AND HOW MUCH DOES MY PLAN PAY OR COVER ON THE COST OF THEM. BETTER YET CALL YOUR AGENT/BROKER AND THEY WILL BE OF BREAT HELP AND FINDING YOUR ANSWER.
Answer: MEDICARE WILL COVER THE LIST OR PREVENTIVE TESTING FOR WHICH THEY LIST IN THER SUMMARY OF BENEFITS . ONCE DOCTOR REFERRAL AND COMPLETION ON THE SCREENING, MEDICARE WILL COVER COST.