Humara Riaz, Medicare Insurance Broker

Answer: Thank you for reaching me out , my is Humara Riaz licensed insurance agent.

Yes, your plan G will pay you. If you are paying a premium every month.

Answer: Thank you for asking

This is Humara Riaz license insurance agent.

When you will move please contact me @ 6825971131

I will help you to change your plan according to the area code. The coverage you have currently ,might not have same plan or coverage on your new location then we need to change the plan.

Hope you understand. You can call derictaly to get more information.

Answer: Medicare Part A does cover most hospital services, like inpatient care, skilled nursing facility care, hospice, and some home health care.

But it’s not completely enough, because it doesn’t cover everything. For example, there is a deductible that you must pay before Medicare starts paying, and if you stay in the hospital for a long time, there are daily copayments after a certain number of days.

Answer: • If you’ve been receiving SSDI benefits for 24 months, you will be automatically enrolled in Medicare Part A and Part B.

• Your Medicare coverage will usually begin in the 25th month of receiving SSDI benefits.

• You may also be eligible for Medicare Advantage Plans (Part C) or Prescription Drug Plans (Part D) depending on your needs and what’s available in your area.

Answer: Yes, if you've been receiving Social Security Disability Insurance (SSDI) benefits and are about to turn 65, you will be automatically enrolled in Medicare. This includes both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). You should receive your Medicare card in the mail about three months before your 65th birthday. No action is needed on your part unless you wish to make changes to your coverage.

Key Points to Consider

Automatic Enrollment: Since you've been on SSDI, your Medicare enrollment will transition from disability-based to age-based when you turn 65. You'll receive a new Medicare card in the mail, and your Part B premium will be deducted from your Social Security benefits.

Medicare Advantage and Part D: While Parts A and B are automatically provided, Medicare Advantage (Part C) and prescription drug coverage (Part D) are optional. You can choose to enroll in these plans during the Medicare Open Enrollment Period, which runs from October 15 to December 7 each year.

Answer: 1. Helping People Navigate Complexity

I WOULD LOVE TO HELP SENIORS.

LACK OF KNLOWLAGE CREATE FREUSTRATION FOR THEM.

WHEN I HELP TO GIVE THEM A RIGHT PATH. IT IS PEACE OF MIND FOR MY CLIENTS.

Medicare is full of parts, plans, deadlines, and exceptions. Many clients feel overwhelmed, especially when transitioning from employer insurance or disability coverage. Helping someone understand their options and feel confident in their decisions can be deeply satisfying.

Answer: One of the most common misconceptions about Medicare is that it covers all healthcare costs in retirement.

In reality, Medicare does not cover everything—and many enrollees are surprised by the out-of-pocket costs they still have to pay, such as:

Deductibles and coinsurance (especially under Part A and Part B)

Prescription drugs (Part D is optional and has its own costs)

Long-term care or custodial care (not covered by Medicare)

Dental, vision, and hearing services (generally not covered under Original Medicare)

Answer: Each MA plan (often from private insurers like UnitedHealthcare, Humana, Aetna, etc.) will have a website where you can:

Use a “Find a Doctor” tool.

Search by provider name and specialty to confirm if they’re in-network.

You can also call the insurance company directly and ask if specific doctors are in-network for a particular plan.

4. Ask the doctors’ offices.

Call your mom’s doctors and ask:

“Do you accept [Plan Name] Medicare Advantage plan for next year?”

Answer: Yes, it’s absolutely okay—and often a good idea—to meet with multiple Medicare brokers and agents when you're starting your search.

Medicare brokers and agents are typically paid by the insurance companies, not by you, so you can speak with multiple ones without incurring any costs.

Answer: If you’re already on Medicare due to disability, you do not need to reapply when you turn 65.

What You Can Do at 65:

Change or Enroll in a Medicare Advantage Plan (Part C)

If you want a plan that bundles hospital, medical, and often drug coverage (and extras like dental), you can switch now with no penalty.

Answer: Officially standardized by Medicare and sold by private insurance companies.

Designed to help cover "gaps" in Original Medicare (Parts A & B), such as:

Copayments

Coinsurance

Deductibles

Only available to people enrolled in Original Medicare.

There are 10 standardized plans (Plans A, B, C, D, F, G, K, L, M, and N).

Medigap does not include drug coverage (you’d need a separate Part D plan).

Answer: 1. Income Replacement

If you're a wage earner, your death could create a major financial gap for your dependents. Life insurance helps:

Replace lost income

Cover daily living expenses

Maintain your family’s standard of living

2 Debt Protection

3 Supplementing Retirement Income

Some permanent life insurance policies (like whole life or universal life) build cash value, which:

Grows tax-deferred

Can be borrowed against or withdrawn in retirement

Acts as a backup source of funds in financial emergencies

Answer: When You're First Eligible (Initial Enrollment Period)

You can enroll in Medicare during your Initial Enrollment Period (IEP):

Starts 3 months before the month you turn 65

Includes your birthday month

Ends 3 months after your birthday month (7-month window)

Answer: Medicare only covers short-term skilled nursing care (e.g., rehab after a hospital stay), and only under strict conditions:

After a qualifying 3-day inpatient hospital stay

Up to 100 days, and only fully covered for the first 20

You pay $204 per day (in 2025) for days 21–100

$0 coverage after 100 days

Answer: Medicare agent — especially an independent, licensed one — can save you time, money, and stress.

A Medicare agent:

Explains your options in plain English

Helps you understand how each part works (and what it doesn't cover)

Clarifies differences between Medigap, Medicare Advantage, and Part D

Answer: YES, Eligible Medicare Premiums You Can Pay with an HSA

You can use your HSA funds tax-free to pay premiums for:

Medicare Part B (Medical Insurance)

Medicare Part D (Prescription Drug Coverage)

Medicare Advantage Plans (Part C)

Answer: If you’re on Original Medicare (Part A and Part B) without a supplement, you’ll usually pay 20% of the Medicare-approved amount for ambulance services after you meet your Part B deductible for the year.

As of 2025, the Part B deductible is $240. Once you’ve met that deductible, Medicare typically covers 80% of the cost, and you’re responsible for the remaining 20% out-of-pocket.

Answer: Do you have Original Medicare (Part A and Part B)?

• Medigap only works with Original Medicare, not with Medicare Advantage plans.

2. Do you want help paying out-of-pocket costs?

• Medigap helps cover:

• Deductibles

• Copayments

• Coinsurance

• Foreign travel emergencies (some plans)

3. Do you want to see any doctor that accepts Medicare?

• Unlike many Medicare Advantage plans, Medigap lets you visit any provider nationwide who accepts Medicare—no network restrictions.

4. Do you travel often within the U.S. or abroad?

• Medigap is a great fit if you want freedom and flexibility, especially while travel

During Your Medigap Open Enrollment Period:

• Starts the first month you’re 65 or older and enrolled in Medicare Part B.