Howell Silverman, Medicare Insurance Broker

Answer: Usually not for In Network specialists although but some specialist services may require pre-authorization.

Answer: No. What happens when you move out depends which parts of Medicare you have and whether you expect to return to the USA.

You can generally keep your Medicare part an even if you live abroad. Understand that original Medicare generally does not pay for healthcare received outside the United States. You can generally keep your Medicare part A even if you live abroad. Understand that original Medicare generally does not pay for healthcare received outside the United States with a very few narrow exceptions.

Part B. You may keep part B, even though you cannot use it abroad. If you later return and you already have part B and drop it you may have to wait for an enrollment period to re-enroll and could owe a late enrollment penalty unless you qualify for a special enrollment.

Part D if you leave the service area, which, if you’re living outside the USA, your plan will generally disenroll you because you no longer reside in the Service area. If you later return, you will usually qualify for a special enrollment. To enroll in a new part D plan.

Part C same answer as above for parts C

Answer: Medicare will not pay for implants.

Medicare will cover certain dental services, not the implant itself in most cases. In order for Medicare to pay, the dental service must be inextricably linked to the success of another Medicare covered medical treatment.

Answer: The sign is when the plan no longer meets your healthcare need. There can be a few reasons for this.

-the health plan has changed its features & or benefits since you first enrolled

-your health condition has changed and the plan isn’t meeting your new care needs

The right time is always as soon as there’s any kind of change or even an anticipated change to your health condition.

If you have a relationship with an agent/advisor who understands your healthcare condition, they’re ready to advise if the benefits from your current plan can effectively support your change in condition or if you’d be better off with a different plan. They’ll also advise you on the rules about when you can make a change.

A relationship with a trusted healthcare advisor will allow you to explore your options and help put you at ease with your current plan or help you decide if a different plan would be better.

Answer: You may be able to wait but maybe not. The safest is to check 2 things with your employer.

1. Will your employer require you to use Medicare as either a primary or secondary insurer? If yes, then you must sign up and ask them if you need both A and B and then do what they tell you. If No, then you can wait until you either loose coverage or retire. When either of those happen, THEN you must sign up.

2. If you’re receiving prescription drug coverage through your employer, ask for a letter from your company or HR dept that your drug coverage is “creditable”. Not “credible”, “CREDITABLE”. If YES, just keep the letter and ask for it every year and you don’t need to do anything else; keep it in your files - mark it in your calendar to request it every year.

If NO (then it’s not “CREDITABLE”, then you MUST enroll in a prescription drug plan even if you don’t take any medications. If you DON’T have creditable coverage and you don’t enroll when your first eligible.-you’ll be penalized when you do finally enroll.

Don’t let that happen. Why pay a penalty if you don’t have to.

Answer: Each Part of Original Medicare has a deductible for 2026

part A $1,736 per benefit period (not per year)

Part b $283

Part D up to $590 (some drug plans are less)

Note:if you have either a

Medicare Supplement or Medicare Advantage plan, deductibles may be lower but not higher.

Consider using a licensed insurance broker knowledgeable about Medicare options to assist you with the details.

Answer: That is the purpose of Part A.

Visit

Https://medicare.gov

Basics

Get started with Medicare

Compare coverage options

Enter your zip code (click next)

Original Medicare

Select Original

Look the right in the gray box

It explains the details of what’s covered

Answer: A few reasons.

1. So you have an understanding of what your parents need and want and,

2. To ensure they enrolled, understood what they enrolled in, and are receiving what they asked for. Ideally you should be working alongside them when they enroll and if they're using a broker (which is beneficial but not required), you should also be in contact with the broker so you know who he/she is and can call and ask a question if need be.

It not only takes a village but it takes a team and you can/should be part of it.

Answer: You can if you’re eligible for Medicare. Use a qualified broker to check your options before making the switch.

Answer: Details of plans for 2027 become available for review in early October (10th).

Check with a trusted broker to understand your options or investigate it yourself. Using a broker can make the complicated world more clear.

To prepare yourself for evaluating 2027 plans, you should have a good idea of what services you used from doctors, hospitals and pharmacies during the past year. Taking into account your expected health changes for 2027 - particularly if you already know of any major conditions or potential hospital stays that could take place in 2027. That will help you evaluate your options.

Answer: Bone density is covered under Medicare part b once every 24 months. If your dr accepts Medicare assignments, and it's medically necessary, you will typically pay nothing.

There is eligibility criteria which your doctor must verify that you meet in order for it to be a Medicare covered test

Answer: Great question. The more important question would be which is best for YOU, Not which is best for the Dr.

It seems to be less work for the Dr if you’re on a Medigap plan. But the coverage is better for you with an Advantage plan because those plans offer benefits beyond what original Medicare offers.

You should seek the advice of a qualified licensed, certified and appointed agent to help you decide which plan is best for you. Not which plan a Dr. prefers.

Answer: They can’t “sign up FOR you unless they have a proper power of attorney, but they can certainly help you. They can help you apply for Medicare or be in the phone or participate in a face to face visit by a qualified person to help you understand your options and then at your option, enroll you in a plan if that’s what you’d like.

So yes, they can help you

I recommend you seek the advice of a licensed, certified and appointed agent to get your questions answered.

Answer: The cards provided are not gift cards. For member use, no one else. They are also not incentives to sign up or enroll. They are provided in order to offer healthy options and to be used for health and safety products and services.