Janix Barbosa-LLanos, Medicare Insurance Broker

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

If your Medicare Advantage plan is an HMO and the hospital is out of network, the hospital will not be covered. In most cases, this means all costs will be your responsibility, except in emergencies or urgent care situations as allowed by your plan.

If your Medicare Advantage plan is a PPO, you may still be able to go to that hospital, but your cost sharing will usually be higher for out-of-network care, often around 50%, depending on your specific plan.

It is your decision whether to keep your current coverage or explore other coverage options.

I encourage you to speak with your health insurance broker to learn whether you qualify for a Special Enrollment Period. You can also review your plan options during the Annual Enrollment Period if you would like to change your coverage.

Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

COPD treatments are usually paid for by Medicare through various parts of Medicare, depending on the type of services provided.

Under Medicare Part B, patients with COPD could get help paying for visits to physicians, pulmonary rehabilitation, breathing studies, nebulizers, durable medical equipment, including oxygen equipment, and medically necessary oxygen therapy prescribed by a physician. Durable medical equipment includes oxygen concentrators and portable oxygen systems, which are covered under Medicare Part B after Medicare requirements are met.

Medicare Part D or a Medicare Advantage plan with prescription drug coverage will help cover inhalers and other COPD prescriptions.

Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Dear reader,

Your deductible resets because Medicare works on a calendar year. Each January, Part B and Part D deductibles start over. If you’re in Original Medicare, your Part A deductible also resets at the start of each year benefit period. So even if you paid it last year, it begins fresh at the start of the new year.

I am glad to be of your resource,

Janix Barbosa-LLanos, MBA

Medicare Disclosure:

We do not offer every plan available in your area. Currently, we represent multiple organizations which offer multiple products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Answer: Dear Reader,

Yes. If someone is disenrolled from a C-SNP for not submitting the CCV, it’s considered a loss of SNP eligibility, which triggers a Special Enrollment Period. They typically have about 2 months from the disenrollment notice to enroll in another MAPD or return to Original Medicare.

I am glad to help,

Janix Barbosa-LLanos, MBA

Medicare Disclosure:

We do not offer every plan available in your area. Currently, we represent multiple organizations that offer multiple products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Answer: Dear reader,

In my personal opinion, Medicare is facing real pressure. We have more baby boomers aging into the system, fewer workers contributing, and rising healthcare and drug costs. There’s also a shortage of providers and more chronic conditions to manage. On top of that, some insurers are pulling back, which can limit options and strain access to care.

Helpful resources to verify this:

Centers for Medicare & Medicaid Services (cms.gov)

Medicare Trustees Report (ssa.gov/oact/tr)

Kaiser Family Foundation (kff.org)

Congressional Budget Office (cbo.gov)

Best wishes,

Janix Barbosa-LLanos, MBA

Financial Security Navigator.

Medicare Marketing Disclosure:

We do not offer every plan available in your area. Currently, we represent multiple organizations that offer multiple products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Answer: Yes, Medicare can cover stress tests, EKGs, and echocardiograms, but it depends on why the test is being done and how your doctor orders it.

1. When Medicare DOES cover these tests

Medicare Part B typically covers these tests when they are medically necessary. For example:

• Symptoms like chest pain, shortness of breath, dizziness, or irregular heartbeat

• Monitoring a known heart condition

• Concerns based on your medical history or exam

In these cases:

• You usually pay 20% of the Medicare-approved amount after your Part B deductible

• The provider must accept Medicare

2. When Medicare does NOT cover them

Medicare does not usually cover these tests for routine screening without symptoms or a medical reason. If you simply want to “check your heart,” Medicare may not pay unless your doctor documents medical necessity.

3. Important tip

Before scheduling, ask your doctor:

“Is this test considered medically necessary under Medicare?”

This can help you avoid unexpected costs.

4. If you have additional coverage

With a Medicare Advantage or Supplement plan:

• Costs may be lower

• Prior authorization may be required

• Always confirm coverage with your plan

If you ever feel unsure, I’m happy to help you review your options so you can make a confident decision.

Educational Disclaimer:

This information is for educational purposes only and is not a substitute for professional medical or legal advice. Please consult your healthcare provider or licensed professional for your specific situation.

Medicare Disclosure:

We do not offer every plan available in your area. Currently, we represent multiple organizations which offer multiple products. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program (SHIP) for all options.

by Janix Barbosa-LLanos, MBA, PMP, CEP, RSSA, FSN

Financial Navigator and Medicare Broker.

Answer: Since you moved from NY to FL, I would encourage you to talk to a local agent. The agent can help you to review your current Medicare coverage and make sure everything still fits your new location.

Your Original Medicare (Part A and Part B) will continue to work nationwide.

Check if your current NY Medigap is cost-effective for your situation or an appropriate option in Florida, since availability changes by state.

In addition, with your Medigap policy, you need to have a new prescription drug plan coverage for the new county you are living in now.

Check for Medicare Advantage plans in your area. You should allow yourself to have access to several healthcare coverage options.

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Medicare / CMS Disclosure

For educational purposes only. Janix Barbosa-LLanos is not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Many people believe that when they sign up for Social Security, everything under Medicare is free. That is not exactly how it works.

Medicare Part A usually does not have a monthly premium if you worked and paid Medicare taxes for at least 40 quarters, which equals 10 years. If someone worked fewer than 40 quarters, they may have a monthly premium under Part A.

Medicare Part B is different. Part B always has a monthly premium. The standard premium changes each year. For 2026, it is $202.90. Some individuals with higher incomes may pay more due to income IRMAA adjustments.

If you are receiving Social Security benefits, the Part B premium is usually deducted automatically from your monthly check. If you are not yet collecting Social Security, Medicare will send you a quarterly bill.

Receiving a bill does not necessarily mean you missed your enrollment period. It usually just means that Part B has a premium that must be paid directly.

If someone delays enrolling in Part B and does not have other creditable coverage, they face a late enrollment penalty. The penalty is 10 percent for every full 12-month period a person was eligible but not enrolled, and that penalty continues for as long as they have Part B.

If you would like, we can review your enrollment timeline together to make sure everything was processed correctly.

Educational Disclosure:

This information is provided for educational purposes only and is not a guarantee of benefits. Medicare premiums, deductibles, and penalties may change annually. Income adjustments may apply. I am not affiliated with or endorsed by the federal government or the Medicare program. For official Medicare information, please visit www.medicare.gov

or call 1-800-MEDICARE.

Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

Licensed Health Insurance Broker

Answer: Home healthcare is increasingly preferred by Indian seniors because it honors traditional values of love, respect, and family connection while embracing modern practicality.

Indian families want their elders to age gracefully at home, surrounded by familiarity and affection, without placing undue financial or caregiving pressure on adult children.

Preparing early for such care is an act of love. It ensures that as elders slow down, they can enjoy their independence and dignity, supported by thoughtful planning that balances emotional well-being with family responsibilities.

Educational Disclosure: This article is for informational and educational purposes only. I, Janix Barbosa-Llanos, a licensed agent specializing in home healthcare and long-term care planning, encourage families to explore available options early. Planning ahead ensures you have the right coverage and care in place before you need them, preserving both peace of mind and family harmony.

Answer: This information is for educational purposes only. I, Janix Barbosa-Llanos, am not affiliated with or endorsed by Medicare or any government agency. If you have specific questions about your coverage, please contact Medicare or a licensed professional.

If you lost your Medicare card, please contact the Social Security to report the loss of your Medicare card and request a new card.

More than likely, your Medicare card number will change for security reasons.

It’s advisable to report the new Medicare number to the insurance company, once you receive the replacement.

If you need further assistance, don’t hesitate to contact me.

My assistance is at no cost to you.

Answer: Yes, Medicare can help to pay for antidepressants or anti-anxiety prescriptions, but it depends on the type of Medicare coverage you have.

Original Medicare with Part A and/or B. This type of coverage does not include prescription drugs, and the beneficiary must purchase a prescription drug plan (Part D).

Part D Prescription Drugs Plan

Each insurance company has a Medicare-approved formulary (drug list). It normally covers prescriptions, including antidepressants, anti-anxiety, and other mental health prescriptions (with some rules that apply, such as prior authorization, step therapy, and quantity limits)

If you have a Medicare Advantage plan, also known as Part C with prescription drugs, the prescription drug coverage of the plan covers antidepressants, antipsychotics, and anticonvulsants as “protected classes.” This means to you that the plan must have those prescription drugs in its formulary (with some rules that apply, such as prior authorization, step therapy, and quantity limits)

Just a reminder: in 2026, there is an annual maximum out-of-pocket (catastrophic coverage) prescription cost. Once a person reaches the annual limit of $2,100.00, the plan covers prescriptions for the rest of the year. Check the details of your prescription drugs in your summary of benefits of your plan.

For educational purposes only. Janix Barbosa-Llanos is not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Yes, Medicare Part D can deny coverage for a brand-name drug even if no generic is available, but the reason matters and there are ways to appeal.

Medicare Part D decides what drugs are covered. Medicare Part D plans offered by private insurance companies list specific covered drugs, known as that plan’s formulary. All Medicare Part D plans differ from one another in pharmaceutical coverage.

Which means to you that every insurance company is allowed to decide which drugs are covered, what tier the medication is in, and what rules apply to get them.

When a generic medication is not in the formulary, a brand-name drug may still be denied on separate grounds. A Part D plan can refuse coverage if:

1. The drug isn’t included in the plan’s formulary. Plans are not required to cover every brand-name medication. I recommend consulting your agent, who can help you determine if your plan covers your prescriptions.

2. The plan prefers a different brand-name drug. It may include a comparable drug prescribed for the same condition.

3. Utilization management rules apply, such as

1. Prior authorization. 2. Step therapy. 3. Quantity limits.

4. Medicare exclusion rules: Prescriptions used for weight loss, drugs used only for cosmetic purposes, or erectile dysfunction drugs when used for sexual performance are not covered by Part D.

What are your options if coverage is denied?

Even if a brand-name drug is denied and there’s no generic available, the beneficiary retains options:

1. Ask for a coverage determination. The physician should provide medical documentation demonstrating why the specified drug is considered medically necessary.

2. File an appeal. If the plan rejects the request, the beneficiary has the right to appeal it.

3. Review plan options during enrollment periods. Shifting to a plan that covers the drug may be possible during Annual Enrollment or Special Enrollment Periods.

For educational purposes only. Not legal or medical advice. Visit Medicare.gov

Answer: In my role I can provide general educational information.

Some states offer the Medigap “birthday rule” which allows switching Medigaps plans around your birthday without Medical underwriting. States like California, Oregon, Illinois, Idaho, Louisiana, and Nevada have this rule.

For personalized advice or plan details, I am happy to offer you in-person appointment.

This information is for educational purposes only and does not constitute specific advice. I do not offer every plan available in your area. For full listing of available plans, please visit Medicare.gov or contact 1800-MEDICARE.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

Yes, Medicare does cover certain home health care services — but it’s important to know what qualifies.

Medicare covers part-time or intermittent skilled care that’s considered medically necessary and ordered by your doctor. This type of care can be provided in your home after a hospital stay, a skilled nursing facility stay, or even as part of your doctor’s treatment plan.

* Covered services may include:

* Wound care

* Intravenous (IV) injections or medications

* Physical, speech, or occupational therapy

* Skilled nursing care

* Medical supplies related to your condition

To qualify, you must be under a doctor’s care, and the home health agency must be Medicare-certified.

If you’d like, I can walk you through the details and help you understand which services may apply to your personal situation.

(Reference: Medicare.gov – Home Health Services Coverage)

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Disclosures:

Medicare does not cover long-term care. Please do not confuse long-term care with home health care.

Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

If you’re still working at age 67 and have creditable employer health insurance, you usually don’t need to sign up for Medicare Part B yet. When you eventually retire or lose that employer coverage, you’ll qualify for a Special Enrollment Period (SEP) to enroll in Part B without penalty.

This SEP lasts 8 months after your employment or group coverage ends, whichever comes first.

It’s important to confirm with your employer’s HR department or insurance company that your current plan is considered “creditable coverage” for Medicare. (Most large-employer plans are, but it’s always best to double-check.)

If you’d like, I can review your existing coverage with you and help you understand when and how to sign up for Part B when the time is right.

Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

In my opinion, many of the large national advertisements are designed to capture seniors’ attention — but they can easily be misunderstood.

In reality, Medicare Advantage plans vary by state, county, and even ZIP code. There are also special types of plans for people who are dual-eligible for Medicare and Medicaid, as well as Chronic Condition Special Needs Plans (C-SNPs) that serve individuals with specific health needs.

What often happens is that national advertising uses an example of a plan from one area of the country and promotes it as if everyone can get the same benefits. That’s where confusion begins — and yes, it can be misleading.

The best way to avoid disappointment is to work with a licensed, local Medicare broker who can review the plans available in your service area and match your personal health and budget needs. That way, you’ll know exactly what benefits you qualify for — no surprises later

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Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

During our working years, we pay Medicare taxes that go into the Hospital Insurance (HI) Trust Fund, which helps cover inpatient hospital, skilled nursing, hospice, and limited home health care. The program works on a pay-as-you-go basis—today’s workers fund current retirees.

As people live longer and fewer workers pay into the system, pressure on the Part A fund grows. About 10,000 Americans turn 65 every day, and the cost of care increases with age and chronic conditions.

According to the 2025 Medicare Trustees Report, the HI Trust Fund is expected to remain solvent until 2033. After that, if no policy changes occur, incoming revenue would cover roughly 89 % of projected costs.

The good news: current beneficiaries are not affected. Medicare continues to pay for covered hospital services as usual. The solvency discussion is about long-term sustainability, not today’s coverage.

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Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

References:

2025 Medicare Trustees Report, page 6; Committee for a Responsible Federal Budget, June 2025.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

First of all, happy early birthday! Birthdays are always a celebration of life and accomplishments.

Now, regarding your Medicare enrollment, the answer depends on your situation:

1. Enroll in Medicare:

You can apply online by visiting www.ssa.gov. If you’d like help, I’ll gladly assist you at no cost to you.

2. Review your current health coverage:

Do you currently have health insurance? Is it affordable? Take a close look at your plan’s deductible, copays, coinsurance, and maximum out-of-pocket costs, as well as how often you use your benefits.

o If your coverage still meets your needs, you can usually keep it —but you should at least enroll in Medicare Part A.

o If your employer has 20 or more employees, that insurance remains primary, and Medicare is secondary.

o If your employer has fewer than 20 employees, Medicare becomes primary, and you need to enroll in both Part A and Part B to avoid gaps in coverage.

3. Compare plan options:

If you decide to move from employer coverage to Medicare, it’s important to choose a plan that fits your personal health needs and budget. A licensed agent can help you complete a needs analysis and explain the differences between Medicare Advantage, Supplement, and prescription drug plans.

I hope this helps answer your question! If you’d like more personalized guidance, don’t hesitate to contact me. I’ll be happy to help you navigate your options with clarity and confidence.

Disclaimer:

Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

In my experience, agents don’t necessarily push Medicare Advantage plans over Medigap plans. The recommendation usually depends on several important factors that vary from one person to another.

1. Financial situation: Not everyone can afford both a Medicare Supplement plan and a separate prescription drug plan. In addition, dental and vision coverage are usually purchased separately. For people living on a fixed income, that combination may simply not be realistic.

2. Eligibility and resources: Some individuals qualify for both Medicare and Medicaid. These beneficiaries generally have limited income and resources, which makes Medicare Advantage (often at low or no cost) a more practical option for them.

3. Benefit preferences: Many people like that some Medicare Advantage plans include extra benefits—such as dental, vision, hearing aids, gym memberships, often at no additional cost.

Every person’s situation is unique. That’s why I always recommend reviewing both options carefully with a licensed agent who can explain the differences in coverage, costs, and provider access so you can decide which path fits your health needs and budget best.

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Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

That’s a great question, and you’re right to be cautious. I always recommend being careful about choosing a Medicare plan based only on price.

My clients appreciate that I take the time to help them understand not just the premium, but the cost of using their health plan. When comparing options, these are some key things to look for:

1. Your preferences: Do you prefer a Medicare Supplement plan that helps reduce your out-of-pocket costs in exchange for a predictable monthly premium — plus a separate prescription drug plan?

2. Or do you prefer a Medicare Advantage plan with lower premiums but costs that apply when you actually use the plan?

3. Provider network: Are all your doctors and specialists in the plan’s network?

4. Prescription coverage: Are your medications covered under the plan’s formulary, and at what cost tier?

5. Cost of care: What would you pay for hospitalization, rehabilitation, or home health services?

6. Protection limit: In case of a serious health event, what’s your annual maximum out-of-pocket cost?

Looking beyond the monthly premium helps you choose a plan that truly fits your health needs, budget, and peace of mind.

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Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: By Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

(Licensed Insurance Agent — For Educational Purposes Only)

Good morning, and thank you for your question!

In my experience, one of the most underrated benefits of Original Medicare is its nationwide access to doctors and hospitals.

Across the United States, medical providers must enroll in Medicare and obtain a National Provider Identifier (NPI). When they accept Medicare assignments, they agree to accept Medicare’s approved amount as full payment for covered services, meaning you’re responsible only for the standard 20% coinsurance after meeting your Part B deductible.

Because of this, Original Medicare offers one of the largest networks of doctors in the country, with no network restrictions. You can see any provider who accepts Medicare, almost anywhere in the U.S.

By comparison, Medicare Advantage plans operate within defined provider networks and may require referrals or prior authorizations for certain types of specialized care.

Of course, there’s a trade-off: Original Medicare doesn’t include routine dental, vision, hearing aids, over-the-counter allowances, or the out-of-pocket maximum protection that many Medicare Advantage plans provide.

My best advice is to speak with a local, licensed health-insurance broker who can review your options and help you compare Original Medicare and Medicare Advantage based on your personal health and budget. Reviewing your coverage each year ensures you stay protected and informed as plans change.

Medicare / CMS Disclosure

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN

In my experience as a licensed Medicare agent, one of the most overhyped benefits of Medicare Advantage plans often advertised on TV is the “free grocery card” or “food benefit.”

Many ads give the impression that everyone enrolled in a Medicare Advantage plan automatically receives these benefits, but that’s not accurate. These grocery or utility cards are available only to people who qualify for Special Supplemental Benefits for the Chronically Ill (SSBCI) — a program that allows certain Medicare Advantage plans to offer extra help to members with serious or complex health conditions.

Examples of qualifying chronic conditions may include diabetes, cardiovascular disease, chronic kidney disease, cancer, post-organ transplant status, or similar illnesses that require ongoing care coordination.

In addition, individuals must qualify for Dual Special Needs Plans (D-SNPs) to use extra benefits such as over-the-counter (OTC) items, healthy foods, utilities assistance, or transportation. These benefits vary depending on the county and insurance company, and not all plans include them.

Before enrolling, it’s best to review what benefits are actually available in your ZIP code and whether you meet the eligibility requirements. I help people verify those details so they can choose the plan that truly fits their needs—without surprises later.

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Disclaimer:

For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Answer: I cannot point to any specific Medicare Advantage plan. What I can say is that every person has particular needs in terms of doctors, medical facilities, prescription drugs, OTC, dentists, vision networks, etc.

My advice is to schedule an appointment with an experienced Medicare Advantage broker who can understand your needs and match you with a Medicare Advantage plan that best suits your requirements.

New changes in Medicare, introduced for 2026, have brought about dramatic changes to Medicare health plans, and a broker can guide you in the right direction.

I am Janix Barbosa-LLanos, a licensed Insurance Agent Broker, Registered Social Security Analyst, and Financial Security Navigator in New México. I help individuals and families protect what matters the most-your health, your income, and your legacy.

My job is to keep things simple so you feel confident about your financial future.

Answer: That’s a great question. Working with a local licensed Medicare agent like me means you’re never alone trying to figure it out.

I take the time to learn about your doctors, prescriptions, and goals so we can review all your options together — in simple, easy-to-understand terms.

Once you’re enrolled, I stay with you year-round to help with any changes, billing issues, or questions that come up.

The big difference between me and a call-center or online agent is personal connection — you’ll have one trusted person you can reach directly, not a different voice every time.

My role is to keep Medicare simple for you and make sure your plan always fits your life.

Answer: That is a great question!

The time for a Medicare appeal depends on the type of coverage.

• For Original Medicare (Parts A & B), the first appeal (called a redetermination) usually takes about 60 days after Medicare receives your request.

• For Medicare Advantage or Part D drug plans, a standard appeal is normally decided within 30 days, or within 72 hours if it’s an urgent request.

You always have the right to appeal any decision you disagree with.

(Source: Medicare.gov, CMS 2024)

Janix Barbosa

Contact me.

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Disclosure:

This information is for educational purposes only and does not replace official guidance from the Centers for Medicare & Medicaid Services (CMS). For details, visit Medicare.gov or call 1-800-MEDICARE.