Jason Marshall, Medicare Insurance Agent

Answer: Every persons situation and health status is different, which makes it impossible to answer what would be considered the “best” plan. Working with a broker will help narrow down the best options available for your and your situation.

Answer: That would depend on the Medigap plan that you choose. Most will cover if you’re traveling to Canada or Mexico, others will cover worldwide. There’s also international travel insurance you could purchase privately for coverage.

Answer: During this time of year your are typically locked into your current plan. However there are Special Enrollment Periods that you might qualify for. Working with a seasoned Broker could help locate an SEP that works best for you. Non the less there is Annual Enrollment Period that begins on October 15th as well.

Answer: You are able to research the Evidence of Coverage documents directly from your Medicare Advantage plan. If you have Medicare Only, you can access coverage details directly from the CMS (Medicare)

Answer: Yes. The Medicare Advantage Plan signed up for during AEP (October 15-December 7) began January 1 of 2026.

Answer: Yes, coverage would extend to all emergency and urgent care centers nationwide. Copay options could vary depending on the Medicare supplement options they have.

Answer: Medicare give backs have been a great benefit for most Medicare clients. Clients love the additional cash to help offset increase Part B premiums

Answer: Yes Mammograms are covered under Medicare as a preventative service. Depending on your area and plan, you’d be able to get one per year.

Answer: Sometimes working with them is difficult and maybe with the recent shut down that was apart of the issue. Working with an agent will limit most of your calls to them.

Answer: Depending on the state and Medicaid status, there are plans that would help with in home care. Consulting with a licensed agent will help you narrow down the options available to you.

Answer: Medigap plans are not governed by the CMS which means they can adhere to their underwriting guidelines. They do have some non underwriting periods and rules that will allow you access. Partnering with the right agent will help you know when the right time to apply comes about.

Answer: It’s means your health care coverage must meet the federal mandates for drug coverage. This coverage must be considered as good as or better than Medicare Part D.

Answer: Yes. There’s Medicaid options, Low Income Subsidy, Medicare Savings Programs and many other options to help with drug cost.

Answer: Mostly due to the additional costs associated with Medigap plans. With most seniors on fixed income, the low cost Advantage plans fit their budgets.

Answer: Most Advantage plans waive the Part A deductible. Hospital co-pay cost is per day for the first 7 days you are admitted and $0 per day from day 8 and beyond. This cost does apply to your plans Maximum out of pocket costs.

Answer: It means that once you hit your maximum out of pocket cost, you will nothing for your Part D prescriptions.

Answer: There should definitely be more strict consequences to those agents and marketing companies that don’t follow the current rules and regulations.

Answer: The term “free” is not allowed, unfortunately there are agents that use this tactic. There are plans out there that do provide grocery assistance funds depending on if you fit the criteria for those plans and your doctor and prescriptions are covered.

Answer: There are online discounts that can be assessed. I’ve even helped members get tier exceptions from carriers and even contacted the drug manufacturers for discounts and low cost samples until the new plan year begins.

Answer: Not getting credible coverage during their designated time periods. Those penalty costs follow the member forever and they can be costly.

Answer: Zero premiums means you pay nothing for the plan however there may be other cost list co-pays, deductibles and prescription drug cost that may need to be paid.

Answer: This maximum is important as this indicates where you’d be responsible for your co-pays. Once you hit this max your co-pays drop down in cost.

Answer: Yes. You would need to activate your Part B if you haven’t already done so. Then you’d need to find a MedicareAdvantage plan that covers your doctors and medicine. Medicare would be your primary coverage as your employer plan would go away.

Answer: The biggest mistake is to not check the formulary for every medication prescribed. Formularies change so often, it’s imperative to check them constantly.

Answer: Medicare has a wide variety of options dealing with depression and anxiety. Some include unlimited visits to individual and group therapy sessions.

Answer: I haven’t seen too many misleading ads. CMS has done a great job of minimizing the misleading TV ads.

Answer: You want to make sure that Healrchcare company has a 4 star rating or better with a large doctor network and drug formulary. You want your representative to be knowledgeable about products and options, and more importantly you want them to care about you and your needs.