Elisa Forte, Medicare Insurance Agent
Elisa Forte
Bilingual English & Español
Medicare Agent Licensed in NY, FL and OH
21+ Years of Experience
Contact Details
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Location
Amsterdam, NY
Elisa Can Help With:
About Me
Hello, I'm Elisa, 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 Elisa Forte
What's the biggest mistake seniors make when choosing a Medicare Part D plan?
Answer: Not checking beforehand if their prescriptions are in the formulary of the plan they’re looking to get. That’s why it’s so important to have an agent help you you get the plan that Best suits you and your needs.
I as an insurance agent helped my Medicare members by educating them on what the options are before we start looking at any plans this way we ensure getting the right fit for you.
Elisa Forte
Licensed insurance agent
I signed up for a Medicare Advantage HMO, and I'm wondering if I can see a cardiologist out of network without paying everything myself.
Answer: Unfortunately, not if you have a Medicare advantage HMO you have to use in network doctors and get referrals most likely from your primary care physician although there are Medicare advantage plans that are PPO‘s preferred provider organizations which allow you to go in and out of network at a higher cost. If you use the out of network, you should ask your agent if if there is a special election that you can use to change your plan if that’s what you’re looking to do
Elisa Forte
Licensed insurance agent
Are visits with psychologists, social workers, or psychiatrists included in Medicare coverage?
Answer: Yes, mental health is included in Medicare advantage plans, but the benefits do vary plan to plan.
Plans vary state to state county county lots of different policies out there so you’ll need an expert to guide you and then just ask the questions of what your needs entail and let him find the right plan for you.
If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?
Answer: Generally, after 24 months on disability, they automatically put you on Medicare but I’ve seen a lot of people fall through the cracks so my advice is usually to contact Medicare a couple months before the 24 months are up or when you find out that they haven’t automatically enrolled enrolled you, either way they should be able to tell you what to do next.
Is paying for a high-end Medicare Supplement plan really worth it, or is it overkill?
Answer: I wouldn’t say it’s overkill, but you want to know exactly what it covers because with Medicare‘s changes it may not cover things that a Medicare advantage plan might offer for you.
So with all these 2025 Medicare changes, should I be switching plans or staying put?
Answer: It really depends on your medical needs. Is your plan working for you? Are your prescriptions covered? That’s why Medicare allows us an annual enrollment period .Things change, so you wanna to see what your options are in regards to what your needs are now, not when you first signed up to the plan you’re on.
What should I look for in a Medicare plan if I travel frequently both domestically and internationally?
Answer: I would advise you to get a PPO for traveling domestically that allows you to see Doctors anywhere in the nation that accepts Medicare.
All Medicare advantage plans will cover you for emergencies internationally although limited.
What is one of the the most common misconceptions people have about Medicare?
Answer: Most people think That it’s free and that you get it automatic but you have to sign up for Medicare part B.