Fawn Alfaro, Medicare Insurance Broker
Fawn Alfaro
Ohana Holistic Health LLC
Bilingual English & Español
Medicare Broker Licensed in OR, AK, AZ, CA, FL, ID, TX and WA
25+ Years of Experience
Contact Details
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Location
Hillsboro, OR
About Me
Hello! I'm Fawn, I have 24+ years of experience in the insurance industry. I'm a Medicare insurance agent dedicated to serving your local area. I am currently licensed in OR, AK, AR,AZ, CA, CO, FL, ID, IN,LA,ME,MI,MO, MS,NC,SC,TN,TX, WA. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan that aligns with your unique needs and financial capacity. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Fawn Alfaro
Does Medicare cover chiropractic appointments?
Answer: Yes, Medicare Part B covers chiropractic visits for manual manipulation of the spine to correct a spinal subluxation, if it is a medical necessity however; other services like X-rays, acupuncture, or massage therapy are NOT covered.
You must meet your annual Part B deductible first, then Medicare pays 80% of the Medicare-approved amount, and you are responsible for the remaining 20% coinsurance.
What's a common trick in Medicare marketing that hides restrictions on doctor choices?
Answer: In my humble opinion, we can all do our part and do what's in the best interest of our clients by taking the time to listen, and answer any questions they may have.
I always explain the differences, and the importance of making sure their doctors are in network and assigned properly regardless of what marketing material they may have seen or what a friend may have recommended to them, as everyone's situation is unique to them.
I need a hearing aid but I've heard Medicare doesn't cover them. Is there any way around this?
Answer: Medicare doesn't cover hearing aids or exams for fitting hearing aids, so you would pay 100% of the costs.
Some Medicare Advantage Plans (Part C) may offer extra benefits that Original Medicare doesn’t cover - like vision, hearing, or dental. Contact the plan for more information.
I'm on an expensive specialty medication. Will the 2025 Part D changes help someone in my situation?
Answer: Yes, 2025 changes to Medicare Part D will help those on expensive medications.
The out of pocket maximum now has a $2,000 limit on how much you will have to pay out of pocket for covered drugs for the year. Once you have met that limit your plan will pay 100% of the cost for your prescriptions for the remainder of the year.
I would make sure the expensive specialty medication or any medications you take are on your plan's formulary. This is another advantage of working with a licensed Medicare agent so they can check the plans drug formulary to ensure your plan will meet your needs.
Does Medicare cover hearing aids, or do I have to pay out of pocket?
Answer: No, Original Medicare does NOT cover hearing aids. Meaning you would pay out of pocket 100 % of the cost. However, some Medicare Advantage (Part C) plans offer hearing benefits, and your coverage and out-of-pocket costs will vary by plan. Keep in mind not every plan covers this so make sure to check with your plan.
Hey, I keep hearing about Medicare Advantage plans everywhere. What's the real deal with those compared to regular Medicare?
Answer: With Medicare Advantage plans you get Original Medicare (Part A for hospital care, Part B for medical services) and usually Part D prescription drug coverage all in one plan. Plus there are many plans that offer benefits not covered by Original Medicare, such as routine dental, vision, and hearing care, as well as gym memberships and transportation to appointments.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent allows you to have personalized guidance at no additional cost to you. Medicare agent's can help you understand and compare your Medicare options and enroll in a plan that meets your needs.