Glenn Alterman, Medicare Insurance Broker

Answer: I work to help all qualified Medicare beneficiaries select the correct supplement or Medicare Advantage Plan. This is a no pressure sale as you will select exactly what benefits you

Answer: PPP allows any doctor in network without a referral. HMO tends to have more benefits and requires a referral for a specialist.

Answer: Need to know your specific needs as this comparison is apples and oranges. Also there are many types of supplements as well

Answer: This lowers the max out of pocket after any deductible to $2000 so the donut hole is eliminated for 2025 and maybe beyond but we need to see what CMS will do for 2026

Answer: They are getting plans with benefits they actually use and many plans are dropped due to possibly lower enrollments

Answer: Yes u need to have it approved by the carrier unless you have a supplement. Did you switch to an Advantage Plan? I am sure your agent told you this and if not please call me at 800-891-5151 or text me at 714-585-8650 and I will assist you

Answer: The answer depends upon if you have Part D coverage as good or better from work and if so you can avoid a Part D penalty. However, since Part D is no cost, why would you not sign up? You can call me at 800-891-5151 and I will sign you up for this plan depending upon your zip code and suggest a Plan G supplement with Silver Sneakers so you can see any doctor taking Medicare I would only take an Advantage plan if you can live with network restrictions but want dental, vision, transportation, Spendable’s card, and other benefits for zero monthly premium

Answer: Please send me your summary of benefits and I will locate an MAPD plan matching your work benefits. Original Medicare will not have dental and vision visits, gym memberships etc

Answer: Nothing to worry about as 2025 is here and max out of pocket is $2000 plus whatever your part D deductible is

Answer: It is designed to allow all qualified people on during their specific time or specific enrollment available

Answer: Yes Medicare cavers this, but not as a stand-alone service. Medicare only covers home health as an example when it’s related to a total physical therapy package

Answer: You will be better off with the $2500 high deductible plan g as the k has lower benefits

Need to know your specific needs to specifically advise

Answer: I can fill this out for you. Please call me at 800-891-5151 tomorrow Monday and I’ll see if you qualify

Answer: Yes this is allowed as it’s like getting started on Medicare for the first time. Please call me at 800-891-5151 and I’ll go over all the gap plans available and the costs for your zip code

Answer: MAPD plans can save money as it’s an all inclusive plan dental, vision, sometimes with a spending card and sometimes with transportation

Answer: Some don’t chose them because they don’t want to pay for them and like the MAPD plans with no premium or very small premiums

Answer: It’s possible that they wished they’d have signed up for a Medicare Supplement instead of an MAPD plans

Answer: No. This is a class one controlled substance and federal law does not allow Medicare to pay for this

Answer: To avoid these issues it is recommended that you get a supplement as there are no issues either any Medicare approved procedure

Answer: Nothing changes for you as Medicare is your health insurance. It does not pay for for your housing

Answer: There will be no bills after your yearly deductible and you can go to any doctor in the country who accepts original Medicare without a referral

If you have specific questions please call me at 800-891-5151 toll free

Answer: Every one is different so only you can decide. Certainly there is much lower amount at 62 then at 70’

Answer: They regret the lack of flexibility and freedom to choose any doctor in the United States. Free always means fewer choices

Answer: Th agent did bad job in explaining the deductibles and the monthly costs among the various carriers

Answer: Unless there’s a financial reason to get a no premium or low cost MAPD plan, I would encourage her to stay on her med supp plan as all doctors accepting Medicare are in network and in an MAPD network, this may not be the case. She can call me at 7145858650 and I will help

Answer: It is important because this is the maximum you have to pay after the $2000 threshold and deductible is met for the year for your meds

Answer: No. You have the best coverage possible and there is no need to change your supplement plan at all

Answer: After $2000 OOP and your deductible, this is all you have to pay. It’s a tremendous savings to have no cost once the requirements are met

Answer: This is directly from Medicare

“Medicare usually doesn’t cover health care while you’re traveling outside the U.S. There are some exceptions, including some cases where Medicare Part B (Medical Insurance) may pay for services that you get on board a ship within the territorial waters adjoining the land areas of the U.S.

Medicare may pay for inpatient hospital, doctor, and ambulance services you get in a foreign country in these rare cases:

You're in the U.S. when a medical emergency occurs, and the foreign hospital is closer than the nearest U.S. hospital that can treat your medical condition.

You're traveling through Canada without unreasonable delay by the most direct route between Alaska and another U.S state when a medical emergency occurs, and the Canadian hospital is closer than the nearest U.S. hospital that can treat the emergency.

You live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition, regardless of whether an emergency exists.

Medicare may cover medically necessary ambulance transportation to a foreign hospital only with admission for medically necessary covered inpatient hospital services.”

Answer: The max OOP is $2000 plus your deductible for 2025 so if you are close to this, you will be in good shape

If you want me to help you so you don’t have to pay anything or pay less, I can look at the RX and see if there is a free or discounted option for you

Answer: If you like freedom to choose your own providers without restrictions assuming they accept Medicare, than this is a logical choice

If you want a package with dental, vision, transportation, a Visa card and network restrictions, than you can choose an MAPD plan. Some MA plans have very few restrictions and very few benefits so you would need to weigh all of this out

Answer: Please call me so I can move you to a med sup if you qualify so you won’t have any of th MAPD issues. 800-891-5151

Glenn