Frank Woerner, Medicare Insurance Broker

Answer: While it's true Medicare Advantage plans frequently have a low or even $0 monthly premium, it doesn't mean it's free. Medigap plans have an "upfront" monthly premium which allows you to use any doctor or hospital that accepts Medicare. "No networks". Advantage plans have networks and are subject to the member paying co-pays, co-insurance and perhaps other expenses when they use the medical services. Something to consider.

Answer: First step: If you don't have a Medicare card and need to enroll, enroll now. As far as selecting a supplement plan, basically there are two choices. Medicare Supplements and Part C Medicare Advantage plans. Many choose to research them online. A better choice might be to find a "local" Medicare insurance agent. They can explain everything and assist you with enrollment in a plan that fits your needs.

Answer: For members of Medicare Advantage plans, some of these plans offers "Give Back Benefit" which automatically lowers their Medicare Part B premium anywhere from $10 up to $185 in 2025, perhaps more in 2026. Be sure to read the details of all benefits before making a decision.

Answer: Clients new to Medicare, depending on their knowledge, I start with the basics such as what Medicare Part A & B cover along with the 80% max level limit. Clients switching plans must consider the pro's and con's of switching. If a Medigap plan, it may need to be underwritten. Certain plans such as Part C Advantage plans have enrollment periods that must be followed.

Answer: 1. If they're calling you. Are they a local agent, or distant person you may not hear from again.

2. Years of experience?

3. Do they have the ability to meet face to face with you? This may or may not be a consideration.

4. Are they an agent working with one company or a broker, working with many.

Answer: Medicare supplement (Medigap) plans do differ in some ways from state to state. However, plan offerings A through N, are standardized. Thus a "G" plan in Indiana would offer the same type of coverage as a G plan in Illinois. Advantage plan offerings from state to state often differ greatly depending on location and other factors. Work with an agent to select a plan in your area.

Answer: Sounds like you have a Medicare Advantage plan with co-pays for specialists visits. This is customary with nearly all Advantage plans. These plans are designed with very low up front costs, in some cases $0 monthly premium. However when services are used, that's where costs are incurred such as co insurance and co-pays.

Answer: Short answer, yes in some situations. Example, AI- assisted imaging radiology, CT, X-rays scans etc. More of these procedures are slowing seeing Medicare offering coverage.

Answer: Certainly, you can. If you are close enough to meet the broker in person, you'll likely be able to get a better understanding of his or her knowledge and what they can offer you. It's more than just buying a policy, it's service down the road and trust.

Answer: Often these are larger call banks (phone solicitors) doing this. Sometimes they're connected to a carrier. Normally small independent brokers are less likely to seek clients using that method. I believe CMS is aware of this and may look into changes in the future.

Answer: 1. Ideally work with a local Medicare insurance agent. Someone you feel is trusted.

2. Unless you recently requested information and gave your phone number, be guarded on a random call.

3. Never provide Medicare number ID over the phone.

Answer: To qualify for the " Extra Help" program you must have Medicare Part A and/or B, live in one of the 50 States or DC, and have limited household income. If you already have Full Medicaid, you likely are qualified. You can check with your local Social Security office or Medicaid office if you have questions.

Answer: Becoming familiar with www.Medicare.gov will provide you with information on comparing drugs on your plan and among companies. Many seniors choose to work with a Medicare insurance agent who specializes in this area and has the tools to make these comparisons.

Answer: The IRMAA surcharge is determined by Social Security and usually goes back 2 years

based on your MAGI income. It would apply to Medicare Part B premiums and also any

Medicare Part D premiums. Check with Social Security if have questions.

Answer: If you have Medicare Advantage plan, or prescription drug plan, changes are allowed either during the Oct 15 thru Dec. 7th Annual Enrollment Period, or possibly other specific times of year depends on your situation. It's best to check with an independent Medicare insurance broker for your specifics. Otherwise a Medicare supplement plan you can apply for a new plan anytime.

Answer: First of all, if you declined to take Medicare at age 65, you must sign up for Medicare Part A & B either online or the local Social Security office. If you do already have Part A, but not Part B, you'll need to sign up for Part B. Unsure, contact local SS Office.

Answer: Yes, most Medicare Advantage plans, Medicare Part C, do have some coverage for home health care. However, coverage may vary from plan to plan so be sure to check with the carrier or agent.

Answer: Medicare Advantage plans are a "network based "plan. This means it is always in a member's best interest to use providers in the plans network, when possible. Unlike most HMO plans, PPO plans do allow a member to go out of network but usually at a higher cost to the member.

Answer: Depending on the individual, Medicare Advantage plans often do save seniors money in the long run. Low monthly premiums, additional benefits like, Dental, Vision, Hearing and even gym memberships to name a few save money.

Answer: Annually you will see some carriers making adjustments on Advantage plans and other programs. If a carrier does drop or change a plan in your area, they are required by law to inform you well in advance. In September of each year, you will receive an ANNUAL NOTICE OF CHANGE. (ANOC letter). Watch for it and review it. The letter will inform you if your plan is being dropped.

Answer: Bankruptcy will generally have no impact on current coverage or options going forward. You can keep current coverage or if desired apply a different program.

Answer: It is advisable for those new to Medicare, to seek the services of a Medicare insurance broker. They can ask the proper questions to help zero in on a plan that best fits your needs. Plus compare plans among several good companies, giving you choice. Service come with no cost.

Answer: Yes, Medicare Part B will pay for glucose monitors for diabetes. It usually will pay up to 80% for most items

Answer: To receive a new Medicare card (if lost), contact your local Social Security office or call 1-800-8772-1213. Or you may apply for a new card through www.Medicare.gov.

Answer: Medicare Part B covers the following vaccines at "no cost".

* Pneumonia* Flu * COVID-19 and * Hepatitis B

Medicare Part D covers adult vaccines such as Shingles, Tdap vaccines, RSV and others at "no-cost".

Answer: Most Medicare Advantage plans include a dental benefit. Preventive services like cleanings, exams often are covered. However, some plans may charge a small extra premium for these services. If you're working with an agent, check with them, or the individual carrier. Stand-alone dental insurance plans often provide better coverage. Worth considering.

Answer: Most Medicare Advantage plans offer basic dental coverage. In most cases, it is not to be considered comprehensive in nature. However, some Advantage plans offer additional supplemental coverage for an additional premium. Many people also elect "stand alone" policies outside their Advantage plans.

Answer: No, the Guaranteed Issue rights for Medigap plans do not necessarily end with Open Enrollment ending. Medigap Open Enrollment period last for six months starting first day of the birthday month age 65 or older and enrolled in Part B.

Answer: Original Medicare Part A & B usually doesn't include prescription drug coverage. Make sure it's part of your package. Dental insurance too is a needed coverage as we get older.

Answer: I enjoy getting to know my clients over time, including what their needs are

and being there for them.

Answer: The best thing to do is check with a trusted local agent to see if there are any "Special Enrollment Periods" available. Medigap plans do not necessarily need an enrollment period.

Answer: I have assisted seniors save money on high-cost prescriptions. I have also found lower cost drug plans and Medigap plans form my clients.

Answer: 1. Build an ongoing relationship locally.

2. We can meet in person if desired.

3. Service available with the same person after the sale.