Gabrielle Sones, Medicare Insurance Broker

Answer: The best way to do this is by utilizing a broker. As a broker we have access to technology that allows us to enter medications and filter plans by cost, pharmacy, etc. I'd be happy to help!

Answer: You may qualify for some of your spouse's benefits, but you may not receive both your retirement benefits and his/her benefits at the same time.

Answer: No, it's not mandatory, but it's still advised to go ahead and enroll when you are eligible. If you decide to enroll later on there could me penalties.

Answer: I would check with your Dr and contact member services with your plan. There could be a coding issue on the Dr's end or something on the carrier's end.

Answer: Many different ways. You can look to build cash value, build cash value for children/grandchildren. It also is a way of financial end planning, like making sure there is enough funds to pay off mortgages, car loans, credit cards, etc when you pass and not leave that to a family member.

Answer: I'm not sure. Medicare is very fluid and there has been a lot of changes in the last couple of years and changes that are upcoming for this year. My best advice is to work with a trusted broker this way you'll be able to stay ahead of the changes and your broker will help you make a plan when necessary.

Answer: Pros of having an agent/broker near you would be that you can meet in person. Most will have a local office or a public space that you can privately meet. This way you can physically see the material and it might make more sense. If over the phone, you can ask for a virtual option this way they can screen share with you, and you can see the material that way.

Answer: No, you can apply for Medicare once you're done working without penalty as long as you had credible coverage through your employer. I would still work with your current health plan and a broker to evaluate both options to see which is best for your needs and budget.

Answer: Most of the star ratings are a compilation of reviews received through the community. The higher the star rating the happier the members of the plan.

Answer: I would call your carrier first before treatment to just be prepared. If it's experimental or considered experimental, it may not be covered. I would speak to both your physicians billing office and your plan.

Answer: Depending on your plan you should have a benefit for Skilled nursing facility and or home health care. I would speak to your carrier. I would also work with a broker to see what kind of additional protection you can add onto your coverage for these specific situations to help protect you more than what Medicare offers.

Answer: You will need to review with a broker beforehand because you may or may not need to make changes to your current plan.

Answer: No, both options are good for the right person. Your broker should be performing a through Ough needs analysis to determine which route is best for you. A Medicare advantage plan is great but just make sure you also have some ancillary protection to protect you from your bigger copays and max out of pocket.