Gina Pranzitelli, Medicare Insurance Agent

Answer: If you have a Part D prescription plan, yes those types of medications are covered. I would be glad to give you my information to go over your options.

Answer: Contact your local SHIP, States Health Insurance Assistance Program and they can assist you. Depending on your situation they will be sure to guide you in the right direction and make sure you dont have any late penalty fees.

Answer: You can go to Medicare.gov and plug in all the medications, doctors and hospitals and you will be able to see every plan available to you in your area and then you can compare drug costs. I suggest making sure you have a preffered pharmacy listed for the lowest cost.

Answer: Medicare Advantage is not "free"! MA definitely has lower premiums, but depending on your situations, there is a medical deductible, medications deductible and annual out of pocket costs you would be responsible for. Medicare offers several different avenues for healthcare, not everyone needs the same kind of coverage and therefore there are options to choose from. I would suggest getting with your agent to go over all your options and to see what fits your needs.

Answer: New to Medicare clients need Medicare 101, the basics and all available options. I suggest getting the Medicare and you booklet off Medicare.gov so that their agent and themselves can go over the Medicare basics together.

Answer: It depends on a few things. If you want to do this outside of your open enrollment you might. Different states have different sitnations where you might not have to go through medical question underwriting, like an Anniversay special occasion, A Birthday special occasion and etc. Now if you are wanting the same plan but with just a different carrier, to lower your monthly premium, you can do this during annual enrollment or with your states special occasion.

Answer: I love gaining their trust as someone who truly cares about them and making sure they are getting every available benefit offered to them at the very lowest cost. We have to start taking better care of our seniors!

Answer: I would look for your Medicare and you booklet. This covers everything you need to know about Medicare and all the different options available to you. I will also be glad to give you my contact information incase you have any questions.

Answer: Of course! Medicare will cover all that is needed for your cardiac care as long as it is deemed medically necessary.

Answer: Yes, home health care is rapidly becoming a preferred option for Indian clients for safety and convenience to the aging population. This market is projected to grow significantly, offering personalized care, reduced hospital readmissions, and cost-effective alternatives to institutional care.

Answer: Yes you sure can. You have a 12 month trial period. So if you switch and want to go back to Original Medicare, before the end of the 12th month, contact your agent and let them know you want to switch back.

Answer: Your plan G Medicare Supplement will pick up everything your Original Medicare does not pay for, expect the $283 medical deductible. That is your responsibility before your Plan G will pick up your remaining cost after your knee replacement surgery. If you have any further questions, I would be glad to assist you.

Answer: Your provider will be sending out your ANOC the beginning of September, ensuring it arrives no later than September 30th. ANOCs are sent out the same time every year.

Answer: Each carrier and plan have different requirements. I would be glad to assist you in seeing what your current plan requires for specialist and make any appropriate changes to get you in to see your dermatologist without a referral.

Answer: Medicare makes changes starting the 1st of January every year. If you have an agent, they would be reaching out to you to discuss your options and make the necessary changes to see if your doctors will be in network,or find a plan where you can still see your doctors if you didn't want new ones. I would be glad to assist you in looking at all your options.

Answer: You would qualify for a SEP, special enrollmen period, to find a plan that fits your needs and it will be effective on the 1st of the following month you enroll. I would be glad to assist you in getting a plan for 2026.

Answer: An agent is a knowledgeable, compliant and honest person who will assist you with understanding Medicare and all of the options available to you and your specific needs, at the lowest cost to you. They will continually keep in contact with you if updates or changes happen so you dont miss out on any benefits you are eligible for.

Answer: Original Medicare will pay for limited, part-time or temporary Medicare approved services as long as you are under a doctors care, have a care plan and are homebound. You can visit Medicare.gov for more information.