Ellen Diehl, Medicare Insurance Broker

Answer: Why? That’s really a question for the government, yet, with my 34 years of experience in the insurance industry, my guess is that it’s all about the money and profit. And somehow the government must allow it because it’s helpful to them in some way. If you have questions about getting on Medicare supplement when you turn 65, please contact me, and I’ll be happy to help you with a Medicare supplement.

Answer: If you could provide me a little bit more information, I’d be happy to answer your question in detail. They can be anywhere from $7000-$9000 depending on what state you’re in and what company you’re dealing with. If you have an interest in a plan G supplement please reach out to me.

Answer: When you say Medicare denied to cover that do you mean original Medicare part B as in Boy?? Or do you mean your supplemental plan? Or do you mean your Advantage plan? If you can give me some more detail details, I can help you answer your question.

Answer: Medicare Supplement plans cover any provider in the US that accepts reimbursement from Original Medicare. If you need help please reach out to me directly. Happy to serve, Ellen

Answer: Many people enjoy having an annuity as an income stream much like a pension. Even social security income is a pension. If you need help looking at some plans I would be happy run you a no obligation proposal.

Answer: I no longer sell Advantage plans because each year hospital systems withdraw from the plans.

Each AEP are carriers that remove clients from their advantage plans. In 2025, 2 million seniors were displaced off of Advantage plans. So if you were my client, I would advise you to purchase a supplement plan G as in Good and a part D drug. If you’d like to reach out to me via email or phone, please do I’m happy to help.

Answer: It sounds like you were saying you have part A as an apple and B as in Boy?. But have not added a Medicare supplement plan G = good

Medicare Advantage plans are getting worse and worse year over year. I can give you a much more detailed response if you’d like to contact me

I can’t go ahead and tell you this. In 2025, 2 million people were displaced from their Medicare Advantage plans. Also, the same in 2024. In 20 2540, hospital systems across the United States withdrew from disadvantaged plans. If you would like more information, I’m happy to provide it. You can contact me.

Answer: Well, yes, however, it would be helpful for them to have a Healthcare Power of Attorney. One danger is Advantage plan sales agents trying to switch them off of their Supplement Plan G onto an Advantage plan that is an HMO network. If you need help, please feel free to reach out directly. Contact me.

Answer: I did not specialize in advantage plans, and you would need to be on one of those in order to get the special needs program

Answer: What you went through is unfortunately common, and the key points are:

Your Medicare coverage itself is not affected by bankruptcy

Medicare eligibility is based on age/disability and work history, not your finances or credit.

Filing bankruptcy does not cancel or reduce your benefits.

Keep Original Medicare (Part A & B) What do you have with your A & B? A Supplement or Advantage plan?

Answer: Assuming you have a Medicare Supplement Plan G = Good, call the carrier and let them know you have moved. Also, reach out to SSA .gov and update your address there. If you need more information, please contact me. Happy to serve, Ellen

Answer: You would just want to purchase travel insurance as any other traveler would. There’s a little bit of health insurance coverage on supplement plans. I no longer sell Advantage plans anymore because I called them disadvantage plans. If you’d like to see rates for supplements just reach out to me via this platform.

Answer: Assuming you have a plan G supplement you will never need to review that you will keep that year over a year over year. If you’re talking about your part D drug then you do that annually in the fall during AEP.

Answer: Has the 65 year-old green card holder worked in the United States and paid taxes for 10 years? My apologies this is going to be a multi step response.

Answer: That’s a great question! You can delay enrolling in Part B original Medicare as long as your employer Group coverage has more than 20 employees.

whenever you leave that Group coverage or retire - You would need to take an extra step to get on Part B. Also, make sure not to take COBRA because that is typically not considered creditable coverage.

I’m happy to help if you need. these are complicated issues and I’m very knowledgeable. I’ll put everything in writing for you to back up what I say.

Answer: Because the plans are not profitable for the insurance carriers so they cancel the plan and leave you with out coverage. If you are healthy you can medically underwrite back to a Supplement Plan G which will cost you $200 or so per month. More in some states and your age is a factor. Don't fall for the Advantage bells and whistles.

Answer: Because the line scum who sold it to you was only interested in the first year commission that they would get. Not in taking care of you. And you were drawn to all the free bells and whistles not thinking about making a long-term decision about what medical plan would be best for your future.

Ask some people who have parents in the hospital, how much trouble they have with the hospital administrators, wanting to kick their elderly parents out of the hospital because the disadvantage plan won’t approve what is truly needed.

Answer: in 2025 2 MILLION seniors lost their plans because the insurance company pulled them because there were not profitable. Also it is very hard to get Skilled Nursing approved on a dis-Advantage plan.

Answer: You have already missed the AEP deadline this year. That deadline was December 7. If you would like to get a jump on things for next year, go to Medicare Gov website. Log in to your parents' account, and all the drugs they take will be listed there. You can click off which drugs they’re still taking, and then it will show you Part D plans. Never let a person put your parent on a disadvantage. They are the worst.

Answer: You can if you want to. There are new rules against it however I would take the Referrall of a good friend or business partner and go with that. I would avoid 800 numbers or people that are soliciting you.

Answer: I do not sell Medicare advantage plans. In the year 2025 alone 2 million advantage members were displaced from their plans because the insurance companies decided to discontinue those plans because those segments were not profitable. Medicare supplements are super superior.

Answer: No! That is a lie from the media. Please share with me an article where you have seen that.

Answer: Yes, Medicare covers pacemakers when they are deemed medically necessary, typically for conditions like symptomatic bradycardia, second- or third-degree atrioventricular block, or sinus node dysfunction.

Answer: For me, the most frustrating thing is how complicated the government has made it. The average client is going to have a hard time learning the difference between a GND.

Then throw Irma on top of it, and you’ve got a real alphabet soup.

Answer: Who told you you were "good"? where they a licensed broker or an 'agent' at an 800 number? If I had to guess I bet you used to be on a Supplement Plan G and now you are on an Advantage plan that can delay care. ask the person who sold it to you about what is going on. or you can contact me and I should be able to identify the problem. You won't be able to make any changes until AEP. Ellen

Answer: Are you on a Medicare Supplement Plan G = Good or an Advantage plan? There are differences. Plan G follows the guidelines set up by Original Medicare Part A & Part B. Advantage plans can add things but they also require you to follow a network? Which are you? Ellen Diehl Happy to serve.

Answer: AEP is in the fall Oct 15 - Dec 7 for a 1/1/26 effective date. If you are on a dis-Advantage plan it is possible to get back to a Supplement Plan G = Good if you are very healthy and can answer 25 - 30 health questions to pass medical underwriting. Did the Advantage rep warn you of that when they signed you up? Ellen Diehl. contact me if you need to discuss

Answer: I think most people do not understand that the decision to go within an advantage plan can lock them into that for a lifetime. However, the advantage plans can change the formulary change. The network and hospital systems are leaving advantage networks to the tune of 32 hospital systems with Drew in 2024 if you have more questions you can contact me.

Answer: Initially when you sign up, you are lured in by the free dental and the free vision, etc. But when you actually need to access care, you’ll find that the advantage networks can sometimes be smaller and inaccessible of the doctors that you really want treating you. If you’ve got more questions, you can contact me.

Answer: It's not as much a trick as a LIE. You should not work with an Agent who would LIE to you. You need a Broker who will put you in the best plan for you - not the best commission for them. If you have not made your selection yet please reach out to me for help. Ellen

Answer: Well - you have an Advantage plan. Plan C is Advantage. Medigap plans would be a Supplement like Plan G = Good. Unfortunately with an Advantage plan you are stuck in that plan until next AEP this fall. You should ask the agent who put you in the Advantage plan - but if they are unresponsive to you - that tells you all you need to know. Please tell any of your friends to strongly consider Medicare Supplement Medigap Plan G = Good.

Answer: Well - that depends on how long the Broker has been in the business. Sometimes new Agents (not quite the same as a Broker like me) want to fit everyone into the same plan, like an Advantage. I like to consider Supplement Plan G because we need to consider your access to Drs when you are 70 or 75. Not just do you get a free dental cleaning or eye exam. Let me know if you need help.

Answer: Because the Advantage plans are MCO Managed Care Organizations who are trying to add profit to their bottom line. They pay less to the Dr and have more restrictions on what they will cover for you. When the rubber meets the road your "grocery card" benefits don't matter if your Dr is not in network .

Answer: That is 5 years away. What made you choose a dis-Advantage plan in the first place? What is more important to you - Access to Drs or free dental?

Answer: Did you go with a dis-Advantage plan that has bells and whistles but not really good benefits? Sounds like you lured in with frees stuff and extras. Bad mistake. Sounds like the agent who sold you did not look up your providers and was only out for their own commission not what was good for you.

Answer: What plan does your friend have and what plan do you have? For example Anthem Medicare Supplement Plan G has Silver Sneakers. Aetna Plan G does not. Be careful that you do not switch to a dis-Advantage plan just for free stuff.

Answer: I have one person who called me who is 77 years old and she was conned into an Advantage plan that did not have Emory hospital in it. Now she has no access to Emory hospital.

Answer: yes but the reaction of the Part D plans is to limit their formularies. this means you may not have access to your Rx

Answer: Is this an infusion medication? If it is administered in office it might be covered under Part B. You need a Broker like me who is smart and can help you.

Answer: Advantage plans are "managing" your care for their profit. I only sell Supplement plans that allow you to go to any Dr. in the USA USA USA that accepts Original Medicare Part A & B.

Answer: Are you turning 65 soon? If so I can walk you through all of it. If you are already on an Advantage plan, you are stuck.

Answer: It sounds like you were tricked into an Advantage plan, probably for Zero premium but tons of "free" sounding stuff. The free dental, vision, etc does not help you when it comes to the big ticket items. You've made a mistake that you won't be able to fix until next AEP, and even then you will have to go with another dis-Advantge plan which may keep changing every year. I would have put you with a Supplement Plan G = Good.

Only VERY healthy people can switch to a Supplement Plan G after IEP or SEP. You have to be able to pass medical underwriting of about 25 medical questions. Please tell your friends turning 65 not to fall into this terrible trap.

Answer: To report a suspicious Medicare billing error or suspected fraud, you can call the Medicare fraud hotline