Ellen Diehl, Medicare Insurance Broker

Answer: To report a suspicious Medicare billing error or suspected fraud, you can call the Medicare fraud hotline at 1-800-MEDICARE 800-633-4227

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 pic 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. 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: 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: 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: 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: Do you have Google? The poorly named IRA Inflation Reduction Act has been all over the news. Also a broker must have a SOA form in order to discuss this with you.

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: 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: 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: 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: 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 matter if your Dr is not in network .

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: 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: 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: 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 at 770-712-9990 Ellen Diehl.

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: 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 770-712-9990 call if you need to discuss

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 770-712-9990 happy to serve.

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 call me at 770-712-9990 and I should be able to identify the problem. You won't be able to make any changes until AEP. Ellen