Eli Roque, Medicare Insurance Broker

Answer: You’ll need to pick up another Medicare Advantage plan in your new county. You will use a Special Enrollment Period or SEP to accomplish the enrollment!

Answer: In my opinion, the government is shifting to model care; model cares are improve care outcomes for beneficiaries.

Answer: All doctors have the diploma as been doctors and know their job, but some go beyond doctor care and become your friend and personal trainer. Like any profession, we must feel love, respect, from doctor care or get rid of and move to the next!!

Answer: Medicare will cover the list of preventive testing for which they list in their Summary of Benefits. Once doctor referral and completion of the screening, Medicare will cover cost.

Answer: You can figure it out a few ways by going on to your member portal of the plan and looking for the Summary of Benefits and looking for hearing aids covered. Or simply 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 great help in finding your answer.

Answer: The donut hole was removed from the Part D plan as of 2025, so you as a beneficiary don't need to manage it with your medication cost.

Answer: If that is happening, then they must be reported to Medicare because that goes completely against the rules. Medicare plans or their agents/brokers can't offer gift cards or incentives for beneficiaries to enroll in their plan.

Answer: Creditable coverage refers to Part D drug coverage from an employer retirement plan that its drug coverage should be as comparable as a Medicare Part D plan. If not, then the beneficiary has 63 days to get into an MA plan with Part D coverage, or Original Medicare plan with a stand-alone Part D coverage, and if the beneficiary does not, they will be hit with a penalty of 1% monthly for every month they go without Part D coverage.

Answer: Make sure to look at star rating and see the doctor network and the formulary. Make sure to take them to a broker after researching to reinforce your findings. It will save you a lot of sleepless nights.

Answer: That is one of the preventive testing that is recommended and paid for with no copay by Medicare and Medicare Advantage alike. I recommend that all beneficiaries of both Original and Medicare Advantage plans take a serious look at the list of preventive testing that is covered by the plan and ask your primary care to give you a referral to all of them, and make sure to complete the testing. It can save your life!!!! Zero copay for most!!

Answer: The general rule is at age 65, if you have worked over 10 years or 40 quarters, you will be entitled to PART A HOSPITAL, for which the premium was paid with payroll deductions, and then enrolling into PART B MEDICAL, which then will be accompanied with a monthly premium for PART B on a monthly basis, normally deducted from your Social Security check. If we are still working, we must have creditable insurance through our employer. If not true, and we do not apply for PART B During our initial period (the month of our birthday, and three months after our birthday), then we will be fined 10% for every 12 months period that we don't apply.

Answer: Yes, you must pay the Part B deductible and most likely will have to cover 20% of the total cost of your physical therapy. Due to that, Part B of Medicare normally covers 80% of total cost. (Advice) Talk to the doctor who referred you to the therapy and the provider and figure out how long the treatments will be so you can figure out a budget.

Answer: You will need to get a POA (power of attorney); it might be too late for your parents because they have to give verbal and written consent. You should look for legal help!! Normally this conversation should take place with parents that are of sound mind, and speak with siblings so that everyone is in agreement with the arrangement that you will be the person that signs off as your parent's medical and financial POA (power of attorney). With this signed document, you can then send copies authorizing Medicare and/or Medicare Advantage or Medicare supplement plan and financial institutions that you are your parents' POA. They will then add your name to your parents' accounts.

Answer: Medicare Advantage and Medicare Supplement and Medicare will cover if the medical services were an emergency and/or urgent care.

Answer: Both Medicare Advantage plans and standalone Part D plans have a list of prescription drugs that they cover and cost, which is the formulary!!

Answer: On a 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: A Medicare broker represents many Medicare Advantage programs and Medicare Supplement plans, and a Medicare agent represents only one Advantage plan and Medicare Supplement plan!!

Answer: Different (CSP) chronic plans can estimate your Medicare costs. You can also visit Medicare.gov to get answers related to Medicare cost!!

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: Not only are Medicare Advantage benefits different from state to state, the benefits can change from county to county within each state.

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 prescription drugs.

Answer: We have Medicare Advantage plans that can help with the cost of dialysis, depending on which county you live.