Elizabeth Holly, Medicare Insurance Broker

Answer: You are elligible for a special enrollment if you lose creditable employer coverage. There is a small time window in which you have to apply, so be sure to schedule an appointment with your agent.

Answer: Yes!

There are several chronic condition plans available for Medicare beneficiaries. It’s important to connect with your local agent so we can help you navigate the best options.

Answer: Yes you can. You will have to enroll once you qualify via age or disability and pay out of pocket for A and B coverages.

Answer: Excess charges are what the provider charges above and beyond the published coverage amount for a service. You can avoid these charges by asking if the provider accepts Medicare assignment. If they do not, work with your agent to find a provider that will.

Answer: Yes, a company can reject a brand name drug without a generic under certain circumstances. All companies are required to cover at least one medication per diagnosed condition. It is important to check your policies formulary each year to make sure you know which meds are covered. There may be a different medication your doctor can recommend based on what’s covered.

Answer: This will vary depending on your local USPS delivery drivers and government shutdowns; but on average you should receive your card no later than one month prior to your coverage being active.

Answer: If you choose to only use original Medicare, than you will have to pay prescription drug’s out of pocket- and you will receive a penalty for every month you are not enrolled in a part D plan.

You will also be subject to the Medicare part B deductible, 20% of every covered part B service, and more. It’s really important to make the right choice from the beginning and then speak with your agent at least annually after that.

Answer: I would highly encourage you to connect with a local or regional agent. While Medicare policies and procedures are released at a national level each year, your states unique population structure can vary wildly. For example, beneficiaries in Florida often have a greater number of providers available to them than a smaller state like Alabama so the challenges each beneficiary may face should take into account those different factors.

Answer: There are a few things that could be happening here; it could be that the billing department didnt properly code your physical. Sometimes original medicare gets billed when it should have been the advantage plan. This is where you lean on your local agent to help you find a solution.

Answer: Both Original Medicare and Medicare Advantage plans have thier own unique benefits. Depending on where you live, how often you travel, and the need to see particular doctors will ultimately determine which plan is the better fit for you. I always reccommend working with your local agent at least once a year to make sure you have the best fit for the upcoming year.

Answer: Markets are changing all the time! If you're favorite doctor isn't in your current advantage plan, talk to them! Your agent can also help your carrier and doctor link up to see if there is a way to make it work.

Answer: Local Medicare agents are aware of the community dynamics in your area. We know the doctors, pharmacies, and any special tips or tricks you may need to get the very best care you deserve.