James Carlson, Medicare Insurance Agent

Answer: Contact Medicare and enroll in parts B so you can receive a new Medicare card.

Once you have your card we can discuss options that will meet your needs. Thank you for contacting me.

Answer: I explain that all the info received is confusing. I will clearly explain your options and be sure you understand the difference between Advantage and Medicare Supplement plants.

Answer: You are welcome to call for better clarification. I can send information about both drug and medical coverage.

Answer: If not sure you have the best plan, I would verify the current plan vs some new options. I would explain that some plans may not have wide network, while other plan may better cover your needs. Should you keep it is your decision.

Answer: This is a challenge. I love the sales process and knowing my knowledge will help to protect the client by making them feel the understand the choices well enough to be willing to pay the monthly premimum.

Answer: They answer a outside call and get caught by an agent selling plans that will not work in the state of residence.

Answer: We can call the carrier or the hearing aid company. This will give the client confidence in me.

it is also an opportunity to help the client understand that the benefit is really a small amount of the total cost.

Answer: They love knowing the oop cost can be met if the cost exceeds $2,000. this also gives them good reason to be sure the drug plan is the best for them.

Answer: Deal with a qualified and verified agent like Medicare Hub agents. Remind clients that at age 65 many companies will be trying to earn their business. Be careful.

Answer: All beneficiaries know they will not have to pay more. Willing to save the larger cost of the past. There is also a option to pay over a 12 month period at a average cost..

Answer: The deductible is included in the 2K max. More important, when expensive and hard to get meds are prescribed, the more costly plan is likely to pay.

Answer: Making a decision without real good understanding of their options. If they choose a Advantage plan, they may not ever be able to apply for a Medicare Supplement Plan.

Answer: Medicare should allow agents not have to review and test annually. We should have reviews less often. Renew every 3-5 years.

Answer: There are many reasons to start medicare even when continuing to work. Les cost, more benefits, less costly drugs.

Answer: First is the network. Second is the risk of having to pay the max oop annually due to a serious medical condition. 3rd, the plan is controlled by the insurance plan, not medicare.

Due to network limitations, proper care may not be available. Many more disadvantages that a supplement plan would cover.

Answer: This may be due to not earning 40 quarters. You may be a high earner and are paying an excess premium due to higher income.

Answer: With Advantage plans an individual can have premiums paid from their monthly check.

This is more convenient and assures there will not be a lapse.

Answer: Health care is and will be expensive. Be prepared and purchase the best plan that is affordable and makes having care and treatment easy.

Answer: I am more in favor of original Medicare. I know every doctor will see me and I can travel or move and maintain my plan. I am not tired to a network.

Answer: Yes! There are penalties for not enrolling at age 65 in both medical and the drug plans.

Thes can be life time penalties that raise your cost of care.

Answer: Emergency care in a hospital will normally be covered. There is no major hospital coverage with Medicare. Therefore it is advisable to purchase a policy for traveling outside of the USA.

Answer: The annual out of pocket limit for all drug purchases is $2,000. The donut hole is not a factor.

The annual deductible applies toward the oop max.

Answer: I agree, Medicare Advantage plans are applied for when agents do not inform prospects about the Medicare Supplement plans. Also TV ads and insurance companies promotion of Advantage plans help beneficiaries to believe the only option is an Advantage plan.