Jami Mead, Medicare Insurance Broker

Answer: In order to be able to answer this question more thoroughly for you, I would have to sit down and review what programs you're participating in currently. There are several different options for you; however, the extra help program is available to those who make less than a certain dollar amount and helps you with only paying a small amount towards your medications, but there are other programs available as well. You can reach out to me anytime, and I can review what you have and see if there's something better out there for you that can help you manage these situations. Contact me. I am always happy to help at no cost to you!

Answer: If you have straight Medicare Part A and B, Medicare will cover 80% of your Home Healthcare after surgery. If you have a Supplement in addition to Parts A and B, that will cover the additional 20%. Most Advantage plans will cover Home Healthcare recommended by your physician at no cost. The answer is vague, but every situation is different. The best way I can help is for you to reach out to me, and we can go over your plan for better clarity. Contact me.

Answer: Just like shopping for a car, you want to be comfortable with who you are working with. You can definitely talk to a few brokers to see who the right fit for you would be. I just suggest that you do your research, talk to your friends or family, and find the person that is right for you. As a broker, I like to connect with my clients so I can help you better.

Answer: Yes, you can use your HSA Account to pay for Medicare premiums after you retire with a few exceptions. Once enrolled in Medicare, you can no longer contribute to the HSA. You cannot use your HSA to pay for Medigap premiums (Supplement plans) as these are not considered qualified medical expenses. I always suggest that you keep detailed records of when and what the funds were used for in case it is needed in the future for proof of the expenses.

Answer: In answer to your question are Medicare Plans dependent on location; the answer is no. Medicare pays 80% and you are responsible for 20% (with some exceptions). However, Medicare Advantage Plans offer different options and perks in different counties and states. You can reach out to me for a detailed review tailored to you and your circumstances free of charge to you. I am happy to help!

Answer: For Hospital care, when you turn 65 and have 40 qualifying quarters of work experience you qualify for Medicare Part A at no expense. I am happy to go in to more detail if needed. Give me a call!

Answer: There are too many variables to answer this question correctly, however, here are a few situations:

Medicare Part B and Part A with a Medicare Supplement G you would pay $257 for the Medicare Deductible then no more.

Medicare Parts A&B with Part C Advantage Plan there is a copay associated with each plan being different. To answer you correctly I would have to know what you have. I am available for a contact. Happy to help!

Answer: Yes, there is a plan called Geo Blue from Anthem that offers 100% coverage, but there are other options as well. I can help you navigate your options. Contact me.

Answer: That is a GREAT question. Medicare Advantage Plans help to give more benefits, including Drug plans, and Dental and vision, where Medicare covers 80% of Hospital and doctor's visits. There are several plans to choose from, depending on your situation. where Medicare is cut and dry: they pay 80% you pay 20%. I am happy to help you navigate your options with a side-by-side comparison. Please contact me.

Answer: When you receive Social Security for a disability, 25 months after you start receiving Social Security you are eligible for Medicare, depending on if you have the 40 credit that you need. What that means is that you have worked at least 10 years combined. There's a lot more to it than just that so if you would like to reach out to me I would be happy to help!

Answer: It may seem that way, however, Medicare Advantage Plans are an option other than Medicare and Medicare Supplimental Insurance Plans. Medicare Advantage Plans offer benefits that are not a part of the other Plans as a perk for their clients.

Answer: There are a lot of changes for 2026 Where medications are concerned Period Your best bet is to speak with your local representative Should go through your medications the plans for diabetics and find out which plan would work better for you Period There are a lot of special plans this year for People with chronic diabetes that you may benefit from period Feel free to contact me and I'd be happy to go over that for you at no cost Period

Answer: Your first step that you should do is reach out to Social Security to get started with part A and if you need it part b. You can reach out to me and I can help you through the process.

Answer: It all depends on how long you have had medicare. If it's within your initial 6 months of joining a Medicare then yes you can, if not then you would have to answer the medical questions. I am happy to help you review this if you would like.

Answer: Yes Medicare does cover the shingles vaccination as a preventative measure. To explore the vaccinations that are covered by your plan, you can go to medicare.gov and see what is covered by preventative measures.

Answer: By asking questions, and seeing how they respond. Experience does not necessarily come from longevity, but from studying the materials and learning about the products.

Answer: This is a question that I cannot answer without speaking with you first. I am always available by phone call. You can contact me to discuss further. There are a few options for changing this year in the middle of the year for special election periods, but we can always look to see for you and your situation. 2026 plans will be available to look ahead to as of October 1st.

Answer: In short, yes. Most Medicare Advantage plans already have a digital platform ready for you if you search your Google Play or Apple apps store you can find them. Is there a specific plan that you are referring to?

Answer: This is a difficult question to answer without knowing what type of plan you went with. If you went with a Supplement Plan, there are different levels some have co-pay some do not. If you went with an advantage plan same thing, however I would not be able to answer this question without speaking with you to review what you have. You can contact me, and I will be happy to help you.

Answer: Medicare itself does not pay for your groceries, but there are some Medicare Advantage plans that offer benefits towards healthy food, over the counter items, and some even have assistance for pet food! I would be happy to assist you in navigating these options, feel free to give me a call!

Answer: This would depend on your current coverage. Medicare does not change. They pay 80%. The question would be do you have a suppliment plan or Advantage plans along with Medicare? You can always give me a call and we can discuss your options.

Answer: I sit down with each of my clients and a one-on-one and do a presentation showing you the differences what you need to know what it covers, what's not covered, and the options that are available to you to give you coverage.

Answer: Most Telehealth visits are covered at a $0 cost. This depends on the type of plan that you have. If you have just Medicare A and B it covers it at 80%. If you have a Medicare Advantage plan or a Supplement Plan there are different levels. I'm happy to help answer any questions that you may have and hope you navigate this. Feel free to give me a call.

Answer: You can speak to a independent broker such as myself that can review all of the options available to you. There are several different options available to you for different situations. I am happy to help!

Answer: This can all depend on the type of Medicare plan that you have. Most Medicare supplement plans cover 80% of travel to other countries. Some cover 50% and a few do not cover any at all. You can always contact customer service and find out or reach out to me and I will help you explore your options.

Answer: One of the most common misconceptions that people have about Medicare is that it covers all medical expenses. It is always best to get with a licensed insurance broker to review the differences what it covers, what it doesn't cover, and if there's other options available to you to cover the things that are not part of medicare.

Answer: Long and short is did you explore Medicare Advantage or Medicare Suppliment options to work along with your Medicare. Your cost can be reduced for medical with these options and usually with a few extra perks. I am always happy to schedule a free consultation with you to review your options.

Answer: Yes your Plan G will still cover the surgery if it was already scheduled and approved by Medicare. You can call the customer service line of your new policy to confirm as well, however, as long as your surgeon has the plan information they should take care of that for you.

Answer: Most private hospitals do accept Medicare plans. I would have to know your area in order to be able to look that up for you and the hospital that you're looking into.

Answer: This is a common question, Medicare does cover the cataract surgery but they do not cover glasses or lenses. That would be your secondary insurance or your vision insurance. If she has an advantage plan most classes and lenses are covered through the advantage plan.

Answer: It is not necessarily about remote or local when chosing your agent. Independent Brokers work with several companies and we all have to adhere to the same rules and guidelines. For example, I live in Ohio but service clients in Louisiana. I know the plans, doctors and hospital networks in the areas I service. Finding an agent that takes the time to know what you need and how to help you is the key. I do appointments in person, virtual and by phone as do many other agents. I encourage you to find the right fit for you.

Answer: Depending on your area and income, there are options Available to You For assistance with your high cost specialty medication. I have had clients reach out to the manufacturers of the companies to help get lower costs on their medications. During an open enrollment period you can also take a look at other part D plans review what you have and what medications you take to see if the cost would be different on a different plan. They do change every year.

Answer: Medicare Advantage plans are not offering gift cards or incentives to enroll. The incentives are part of their plan that they have agreed to with CMS prior to the year beginning. Because Medicare Advantage plans have higher out-of-pocket expenses they subsidize that with the benefits card to help with the extra cost associated with their co-pays and deductibles. Even though the benefits card does not cover copays and deductibles, it helps with food and utilities so that the money they would have used for food and utilities can go towards their medical expenses.

Answer: In the event of a death of a spouse, the surviving spouse will receive the higher of the two between Social Security. Example is if your husband passes before you do and he makes $2,000 a month in Social Security payments and you only receive $1,500 a month in Social Security payments you would begin to receive the $2,000 a month.

Answer: Once you relocate to a new area you will have to check out the plans doctors and Facilities to make sure that everyone is in network. It is always wise to look at what you have available to you when you go to the new areas but most of the time your benefits will stay the same.

Answer: The best way to check coverage for your doctors and medications is to review them with a trusted advisor. However, you can go on to medicare.gov type in your doctors, prescriptions, and Facilities to see who would be in network and plans available for what you're looking for. I am always available to speak with you over these options and sit down to review what you have versus what you could have.

Answer: There are several plans available with medicare, Medicare advantage, and Medicare supplement plans. During open enrollment periods is a great time for you to go over those benefits. If you would like to give me a call I would be happy to set up an appointment to review them with you at any time.

Answer: Hospital Indemnity policies are a great addition to the advantage plans. There are even some available that will help to offset the cost of you prescription medications by giving back so much. Some will do the same for office visits.

Answer: Being able to help my clients is my passion. I love meeting new people and building relationships. My clients become my friends.

Answer: A good insurance broker will sit down and talk to their client and ask them if there is anyone else who helps them make the decisions while looking for their insurance. I review their medications, doctors and facilities, and what their needs are to help figure out what the best plan would be for them. I walk side by side with my clients and make sure that my clients are comfortable with the decision that they make.

Answer: GEO BLUE is a fantastic plan available for International travelers. Its affordability is comparable, and you can start and stop based on your travel.

Answer: Each case can be a little different. Since you are turning 65 in June, your benefits will not change until you reach full retirement age at 66 years and 10 months. Only people who were born before 1937 reached full retirement at 65. Once you reach 66 and 10 months, your benefits will change from Social Security Disability Insurance to Social Security retirement benefits. You will not have to do anything for this change to take into effect, SSA will send you an update letting you know it is changing to retirement benefits when it is time. Depending on how long you have been on Disability (if it is less than 2 years) at age 65 you may become eligible for Medicare if you have 40 credits (ten years of work experience) if you are not already receiving these benefits. You can always contact your local Medicare Specialists to determine your case.

Answer: If you cannot afford your Medicare Premiums you can apply for senior Medicaid through your local Job and Family Services. If you are over income and do not qualify for that program, there are several Medicare Advantage Plans that offer a Giveback Program and will pay back a portion of the Medicare Part B Premiums you pay.

Answer: No, Dental Implants are not covered by Medicare Part A or Medicare Part B. However, if you have dental implants already and experience a problem or have health concerns after the procedure Original Medicare may help to pay for some of the cost associated with the issue. There are a few Medicare Advantage plans that will help with the cost of Dental Implants, so I would encourage you to ask your Medicare Specialist if these options are available to you.

Answer: A high star rating (4 or 5 stars) is given to doctors or facilities who are more likely to prioritize and improve customer service, care, and member experience, leading to better health outcomes. Focus on the patient is their priority.

Answer: Yes, Asthma and other breathing conditions are covered by Medicare at the 80%. You are still responsible for your 20% unless you have a Medicare Supplement Plan or an Advantage Plan to assist.

Answer: The star Ratings are based off of the reviews, studies and input from patients such as yourself. Ease of communication, care, answers and so forth. They are given as a suggestion of how others have felt about their experience, a suggestion for you as to what you may expect from the company. They are very important when it comes to ease of claims, coverage, and communication with the member.

Answer: It is always recommended to review your Medicare Plan once a year during AEP (Annual Enrollment Period) to ensure you are receiving the best rate for you. As for tools and resources, you can always reach out to me, and I can send you a link for comparisons.

Answer: As a Medicare Agent we are up to date on all the changes for each company that we work with. Advertisements show you the best plans and their features, we have the ability to show you all the specifics of each plan and do a side-to-side comparison so you can make the best choices with your options available. This includes helping to make sure your doctor is in network, your medications are covered or what the cost would be, and if there would be a need for other coverage and what would be available to you.