Evan Hountz, Medicare Insurance Broker

Answer: Hospice is defined as end-of-life care for people with illnesses that cannot be cured. Medicare Part A covers hospice. You and your family will work with a hospice care team to set up a plan of care.

Answer: Part D could certainly help you cover costs associated with a specialty drug. In some scenarios Part B may also cover this medication depending on the medication.

Answer: First steps if you do not have coverage at work is to verify if you are on social security. If you are not , you will need to login to your ssa account and begin the medicare enrollment application on your own, through an agent or social security office.

Answer: People should know that Medicare is very different for everyone. It is not a one size fits all. There are a couple moving parts depending on how you look at the coverage but it all makes sense when someone competent explains the differences.

Answer: This depends on whether or not they have credible group insurance through their employment or a spouse's employment. They also want to compare Medicare vs their group insurance to see which coverage meets their needs more on a coverage and cost basis.

Answer: Medicare covers sublaxation of the spine. Some Medicare Advantage plan may offer broader coverage but it is important to make sure your Chiropractor accepts your plan.

Answer: Each route is a good option to consider. To be clear on which is better , I like to discuss both options with my clients. It comes down to what clients truly need from there coverage.

Answer: There is no maximum limit on what you could owe under parts A and B. To make your plan more like a traditional health insurance plan, you could purchase a Medi-Gap plan or possibly a Medicare Advantage Prescription Drug plan

Answer: Medicare Parts A and B do not cover hearing aids. Some Medicare advantage plans do cover hearing aids and may give you an allowance or a copay to help cover the cost.

Answer: Coverage of medical marijuana itself isn’t currently part of Medicare. There are ongoing policy discussions and pilot programs (including possible Medicare reimbursement for some CBD products).

Answer: Generally , Part D comes with 5 medication tiers. Each plan may tier a medication differently. The higher the tier , the more expensive the medication is priced. In many cases, once a Tier 3 is prescribed , the consumer will be responsible for a drug deductible depending on their plan's benefit.

Answer: I think adding a hospital indemnity plan can make sense depending on your core medical plans benefits. With rise in healthcare costs , these plans have become much more appealing to many consumers.

Answer: A good agent doesn’t disappear after you sign up with them. They help with:

Annual plan reviews (plans may change every year)

Billing or claim issues

Drug changes and cost increases

Switching plans when your needs change