Heather Currier, Medicare Insurance Agent

Answer: No, unfortunately Medicare Oart A & Part B don’t cover medical alert systems. However, Medicare Advantage plans may sometimes, depending on your doctor and plan, may cover one of their preferred alert systems, in part or full depending on the plan. There are some state funded services available for Seniors and it is worth checking in to see if you qualify.

Answer: When to claim Social Security Administration benefits is one of the most important financial decisions a senior can make, and the right choice depends on your health, income needs, and long-term goals. Here’s a clear way to think about the three main options:

1. Claim at 62 (earliest option)

• You can start as early as age 62, but your benefit will be permanently reduced (up to about 25–30% less than full retirement age).

• This may make sense if:

• You need the income now

• You have health concerns or shorter life expectancy

• You’re no longer working and don’t have other retirement income

2. Claim at Full Retirement Age (66–67 for most people today)• This is when you receive 100% of your earned benefit.

• Good option if:

• You want a balanced approach

• You are still working but nearing retirement

• You don’t need benefits early, but don’t want to wait until 70

3. Delay until 70

• Your benefit grows about 8% per year after full retirement age until age 70.

• This results in the highest monthly check for life.

• Often best if:

• You’re in good health

• Longevity runs in your family

• You have other income to live on now

• You want the highest survivor benefit for a spouse

Simple rule of thumb

-Need income now → consider 62

-Want full benefit → full retirement age

-Want the biggest lifetime payout → 70

There isn’t one answer that fits everyone, but making the decision with a clear understanding of your situation can help you feel confident instead of overwhelmed. Please feel free to reach out if you have any further questions!

Heather Currier Licensed Agent

Answer: Telemedicine personalizes healthcare by using remote monitoring, AI, and flexible virtual visits to tailor treatment plans, education, and follow-up to each patient’s real-time data, risks, and preferences.

Answer: The best advice I can give without knowing the specifics of your plan or benefits is to look at your specific summary of benefits if you are on an Advantage plan or have supplemental coverage. I think you should call 1-800-MEDICARE for general guidance or to confirm enrollment. You can also use the tools on Medicare.gov search “Plan Finder” on Medicare.gov with your ZIP code and plan name to view details, or create a MyMedicare account for personalized coverage info.

Answer: No, your Medigap insurer generally cannot terminate your policy as long as you pay your premiums on time.

Answer: Hi, I would be happy to give you my opinion.

Hospital indemnity can be a good add on to a Medicare Advantage plan because it gives you cash to help cover big hospital copays, turning unpredictable bills into a smaller predictable premium. It tends to make the most sense if your Advantage plan has higher hospital costs and you’d struggle to pay a several thousand dollar bill, but may not be worth it if you’re healthy, have low copays, or can comfortably pay those costs yourself.

Answer: I am a Licensed Insurance Agent in Louisiana who specializes in Medicare. I would be happy to assist you with any questions you have regarding Medicare. My name is Heather Currier.

Answer: Medicare may cover a home health aide after surgery only if it’s part of skilled care ordered by a doctor and provided through a Medicare-certified home health agency.

Answer: Each plan runs from January to December or for the 12 months following the month that the beneficiary signs up for Medicare.

Answer: Yes, Medicare does cover all three of these services, under Part B as long as they are ordered by a doctor and are deemed “medically necessary”. Medicare generally covers 80% and patient would be responsible for remaining 20%, unless you have a Medicare Supplement or Medigap Plan. Good luck let me know if you need help evaluating your plan or if you have any more questions! Heather Currier

Answer: Hi, I’m Heather Currier and I would be happy to answer that for you. Medicare Part B does cover memory/cognitive assessments and visits to a neurologist when they are medically necessary, but you may owe deductibles and coinsurance. Exact out‑of‑pocket costs depend on whether you have Original Medicare only, a Medigap supplement, or a Medicare Advantage plan.

Answer: I would suggest going with a Medicare Advantage plan with prescription drug coverage, if you are looking for a cost containment structure

However, keeping Medicare Parts A& B and adding a separate Medigap plan would cover out-of-pocket costs that Original Medicare does not cover

I would also suggest either adding a separate prescription drug plan to your Medigap coverage or if you are not worried so much about the out-of-pocket costs, you could go with a separate PDP as an addition to Original Medicare

It all depends on your budget

and a number of various other factors as well. Please feel free to reach out if you have any further questions! Have a blessed day.

Answer: I would have to say it os an advantage over Medicare Part A and Part B alone if you have the right plan. The disadvantage I could forsee would be depending on plan and carrier you use, some have restricted provider networks.

Answer: Hello, Medicare covers many types of medical treatment, but does not cover every expense. You'll usually pay part of the cost through deductibles, coinsurance, and copays, unless you have supplemental coverage like Medigap or Medicare Advantage.

Answer: When turning 65, your first steps toward Medicare enrollment are to learn about the Initial Enrollment Period, decide which parts of Medicare fit your needs, and apply at the right time to avoid gaps in coverage or late penalties.

Answer: You pay a deductible each period before Medicare starts to pay (the deductible amount changes annually).For the first 60 days of each hospital stay, there is no coinsurance after meeting the deductible, From days 61–90, you pay a set coinsurance per day, and after day 90, lifetime reserve days can be used, with a higher per-day coinsurance. After lifetime reserve days are used, you pay the full cost.

Answer: It depends on your needs. Typically a needs analysis is done to figure out what your are looking for in a plan, what you can afford financially and whether you have any preferred doctors/pharmacies and any medications you take.

Answer: You would have to check with Medicare or an agent to see which plans were currently being offered in your area. There are several options available for rural areas.

Answer: A standard Medicare appeal typically takes about 60 days to receive a decision for Original Medicare, while Medicare Advantage and Part D appeals are usually decided within 30 days, or much faster (72 hours) if requested as urgent or expedited.

Answer: The reason you should work with a medicare agent, such as myself in particular is that the benefit of having a personal agent to come to with questions on coverage. as well as to assist you when trying to decide between plans, when eligible enrollment periods are active. You have personal attention to your needs and a consistent source of accurate information.

Answer: In Medigap Plan F for 2025, your emergency room visits are usually 100% covered after Medicare pays it's 80% then the plan covers the remaining 20%. Have a blessed day, Heather Currier