Geney Ruesga, Medicare Insurance Broker

Answer: Our Agency does not charge to enroll or give information on Medicare, if they enroll with us

We get paid by the company, which pays us a commission to enroll them in a plan.

Answer: You would only take Medicare Part A, but it is always good to pick up Part B.

With part A only, you will still have to pay 20 percent of the cost, and you will have costly deductibles.

Answer: Continue yearly training on CMS rules and regulations and continue training with the company's yearly changes so we can be ready to help our customers and clients.

Answer: Helping Medicare Beneficiaries enroll and understand their plans, letting them know that we are not just an agency but they have an agent for life with us.

Answer: you will need to contact Medicare, but if not AEP or OEP, you will need a special election to change back to original Medicare.

Answer: The Benefits of working with a Local agent is you get to see them face-to-face, and once you become their client you have the same Agent or Agency to help you with your future questions or concerns. and they work in your behalf.

Working with a Virtual online or over the phone telemarketer, you do not know if they are a true

insurance agent or just a salesperson looking out for their interest.

Answer: Yes, only for the doctor's office, medication, and treatment at a hospital.

At this time, no cure has been found

Answer: Vision - Glasses and Frames are not covered, only Cataract surgery under Medicare Part B.

Dental procedures are not covered,

Hearing Aids are not covered; only the exam will be covered under Medicare Part B.

Drug Plan - Medication: Certain drugs that are given to you in the hospital or by a doctor are covered by Medicare Part B.

Nursing Home

Transpiration

Answer: No you will not be turn down for Medicare Advantage Plan as long as you part A and B and leave in the service area that the plans are offer.

Answer: IRMAA is Surcharge based on you annual income and can double if you are married , no mater who made the most of the income.. They will look at your last 2 years of income.

Answer: no , only if the Advantage plan offers that benefits. but it would be listed in there summary of benefits as a reimbursement

Answer: Yes their are many, there is no catch as long as you have Part A&B of Medicare and you live in that service area.

Answer: The cost for Breztri is a Tier 3 so the cost is at least $47 after you have meet your

annual deductible.

Answer: Agent and Brokers get paid by the company that you are contracted thru to sell their

plans to Medicare applicant.

Answer: No Medicare Supplement Plans do not require a Scope but you can always have one filled out so just incase you have to cover a Medicare Drug plan or a Medicare advantage ,

Answer: Yes , Part A and Part B will only cover the cost of Medical at 80 percent. Then you have to find coverage to cover your 20 percent left over, so you choice would be a supplemental insurance to help you with that 20 percent.

Answer: It depends on which insurance is considered “primary” and which is “secondary.” The insurance that pays first (primary payer) pays up to the limits of its coverage. The insurance that pays second (secondary payer) only pays if there are costs the primary insurance didn't cover.

Answer: Some Medicare Advantage Plans offer this as a benefit when you enroll with them.

The plan will pay Medicare the allow amount that is offer on your behalf to reduce your part B

Premuim

Answer: This depends on the hospitals you use are in the network but no Advantage plan will pay 100%. You will need preauthorization before treatment can be covered.

Answer: Yes you can use Good RX for savings , qualify for Extra help call LIS or your doctor can

get you set up on Grant to help you cover the cost.

Answer: When you are on a Medicare Advantage Plan you are in Networks per your State and Zip Code where you current residence is at the time of your enrollment.

The Plan that would fit for Retires that plan to travel are Call Medigap Plans

Answer: AT the time of your appointment, you should have been explained the extra benefits after the summary of benefits was discussed, but this is up to the agent to disclose to you upon your request. We are trained to cover the Benefits per CMS guidelines.

The best thing is to have a face-to-face appointment with a local agent, not to enroll over the phone with a telemarketer, unless you enroll with a local agent.

Answer: You can apply with the Drug Plan for a 12-month Payment plan, you can fill out an application to apply for extra help

Answer: My Agency - Agents go thru the Medicare and you book and explain what Medicare pays and what 20 percent that Medicare does not cover.

Go over the options between Medicare Supplement vs Advantage plan.

Answer: The plan commission is higher than Advantage plans. Or the client is over 65 and cannot be

approved due to medical conditions.

Answer: That everyone who turns 65 is entitled to Medicare coverage, you would have had 40 quarts of work history or Appling from you husband or wife's work history.

Answer: you would have to Quailfy Due to disability, and it is in your medical files for the last 24 month.

You can then be applied for Part A & B of Medicare.

Answer: Yes, if you Are over 65 you will need to go under writing it depends if you have health issues that is not approved

Answer: Ony if they have an assigned representative or POA who can agree and knowledge in their behalf. The Assisted would-be court approved and documented.

Answer: Plan F will cover 100 percent of Medicare approved amount of your 20 percent, so there will be not copay.

Answer: Yes you received your new to Medicare Screening once you join a Medicare plan for the first time, also depending on the plan you are on thier have been changes for 2026. Check your medicare and you book you recievce once a year.

Answer: When you work with a local Agent you get one on one communication with them. you can always reach their office by phone or email or even text.

Answer: You are in your initial enrollment period for A and B. Do not wait too long, it only lasts till Sept