Fara Smith, Medicare Insurance Broker
Fara Smith
Your Choice Health Benefits
Medicare Broker Licensed in NJ, CT, FL, NY and PA
7+ Years of Experience
Contact Details
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Location
Brick, NJ
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Phone
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Website
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Facebook
About Me
I am an Independent Health Insurance broker specializing in assisting people with their transition into Medicare Insurance. They make Medicare difficult. I make it easy and stress free. I am contracted with many insurance carriers in order to make sure that you get to see all of your options. Once I explain your options everything will seem clearer and together, we make the best choice for you. I have worked in Healthcare and Insurance for over a decade. From working with Chronically ill people to people that are healthy that just need peace of mind with picking out the right plan. Once you enroll in a plan that is just the beginning. I will be your agent and help you with any issues that may arise along the way. So, feel free to reach out to me, I look forward to speaking with you.
Q&A with Fara Smith
I just moved to a new state. Do I need to do anything with my Medicare coverage?
Answer: Yes. You should update you address with social security for your Medicare and Social Security
account (If Applicable). You should contact your Broker or Your insurance company to let them \
know as well. You will have a Special open Enrollment period to change to a plan offered in your area.
If I start dialysis, how does that change my Medicare eligibility or coverage?
Answer: Once you are diagnosed as ESRD (End Stage Renal Disease and have been on Dialysis in a facility for 3 months. You are eligible for Medicare on that 4th month. If you are receiving your
Dialysis at home, and started your training in the First 3 months, then you are eligible for Medicare on the First day of Dialysis
I changed my plan during Open Enrollment and now I can't see my regular specialist. Isn't this what the whole review period is supposed to prevent?
Answer: During the open enrollment period your agent should view all your Doctor and Medications
to make sure they are still working with your Medicare advantage plan. Unfortunately, at any time during the year the Doctor can choose to leave the plan. They are not required to finish out the year.
Is it true that Medicare pays for dental implants?
Answer: No, Original Medicare A&B will not cover Dental Implants. Some Medicare Advantage Plans might cover them. But that would vary by plan. So, I would advise checking with the Carrier. If they do cover them, it would usually be something that would be deemed medically Necessary.
Does Medicare cover emergency care if I'm traveling in a U.S. territory like Puerto Rico?
Answer: This will Depend on what kind of Medicare Plan you have. If you have original Medicare(A&B) it will be covered in PR or any US territory. If you have Medicare Advantage you would need to check with your Insurance Carrier. Medicare Advantage plans work with specific networks. If you have a Medigap (Medicare supplement plan should cover, you in a US territory. I would always advise to contact your Insurance Carrier to verify.