Jaye Maxx Alexander II, Medicare Insurance Broker

Answer: Greetings there are three companies that Iam contracted with that have the product you are looking for and this is not the proper fourm to review your request .

Answer: The major mistake to avoid is to ensure that all your current prescriptions are covered and that the company's formulary includes the medication. You also have to make sure that these prescriptions and cost fit your budget. Make sure the proper plan covers all out-of-pocket costs. Zero-dollar or low-cost PDP plans are not always the best option.

Answer: No! You do not pay taxes on Medicare . Is the question whether you pay taxes on Social Security? Your questions need to be explored further.

Answer: Medicare does not directly cover dental or vision care. You can get dental and vision coverage through an MA or MAPD plan offered by a private insurance company. You have the opportunity to purchase a plan with an agent and a broker to meet your dental and vision needs.

Answer: There are no tricks in Medicare marketing. They are giving you a high-level overview of what is available in your state, county, and zip code. The level of the professional agent to review the plan will closely align with your needs and desires. As an informed and intelligent consumer, you must ask the right questions and make detailed, high-quality notes. It is a partnership between the client and the agent. It is a 90/10 partnership .

Answer: MAPD and MA (Medicare Advantage Prescription Drug and Medicare Advantage) do not come from Medicare; they are from private insurance companies. You need to look at a Medicare Supplemental Plan so that you can keep your doctors and also manage the pain doctors that you need, and you will not need to have any referrals and pre-authorization to see the doctors you have a relationship with. You will not have any out of pocket expense Medicare pays 80% of the coverage and Medicare Supplemental pay 20%. You need to talk to an insurance broker insurance agent .

Answer: You should take the time to review your plan at least twice a year. The plan should be reviewed whenever you have any life changes .

Answer: Annuities play a major part in retirement planning. This is not the proper platform to go into these questions

Answer: That is an excellent question, and several factors contribute to selecting a plan for your chronic kidney disease. Where do you live? What state, county, and zip code? Do you travel away from your primary area for more than 30 days? You must also ensure that your prescriptions are covered by the plan, which is why you need a truly dedicated broker/agent who will work with you to find the best coverage. If anyone states that this is the best plan, they are a huckster.

Answer: Yes, you can, and your parents will need to be available so that they can give permission to review the options.

Answer: Yes, you can and should review the ANOC with your Medicare agent so that you can have the best coverage for the year 2026 that will benefit your lifestyle and medical needs.

Answer: I would not choose a MAPD or MA plan for the following reasons

1. I don't want to have a co-pay, and I don't want to have to work with a network to see a doctor.

2. I live in many states over the course of a year, and an MA or MAPD plan will limit you to networks.

3. I want a supplemental plan to cover my MOOP expenses .

Answer: They don't take the time to review their current or future lifestyle to pick a plan. They look at the plans based on the upfront cost of the plan and never look at the back end of the plan.

Answer: The benefits are evident in how you feel when conducting business face-to-face or using technology. The local agent may not be a broker and can tailor the best program for you,because the only work with one company. When you work with a remote or virtual agent and broker, you will have the benefit of the conversation being recorded and held for 10 years .

Answer: To choose the proper Medigap policy for you your agent and or broker should meet with you on an annual or semi annual basis. The best time to purchase a Medi Gap policy is when you are turning 65 or if you live in a state with a birthday rule.

Answer: Medicare does not cover eye exams. Medicare Advantage plans will cover an eye exam and will assist with a portion of the cost of lenses and frames.

Answer: To answer your question in a open and postive way your did not make a mistake. I will explain in detail. You have no out-of-pocket expense when you go to see your doctors and any specialist with no regard to a network restrictions. The ability to speak with your tax advisor regarding your preiums that you pay for the MediGap coverage.

Answer: Wow that is a loaded question. We would need to consider all factors that meet the client's needs. Any professional that will state that this is the best MAPD plan you need to end that appointment. Each MAPD plan must be structured toward the member

Answer: There has been growth among a certain segment in Medicare Advantage plans . The main reason that people are leaving Medicare Advantage plans is due to the carriers and the coverage. An agent needs to look at the needs of the client and the relationship with their PCP and Specialist. Most clients have an attachment to the healthcare in the region .

Answer: Yes, you can be denied a Medicare Supplement plan if it is after your initial period, and you live in a state that does have guaranteed issue and or a birth rule . You must speak with your agent that is fully versed and vested in your overall success.

Answer: If you need long-term care, you must have your own policy for it. I have and will never advise my clients to rely strictly on Medicare and Medicaid for the long-term care that you may need for yourself and your loved ones .

Answer: You can enroll in Medicare three months before your 65th birthday, on your 65th birthday, and for three months after turning 65 to select the right Medicare Advantage plan. You need to meet with a knowledgeable agent who is a broker and can guide you on Medicare and give you the proper advice .

Answer: No, the regulations on sales and marketing are very strict, and each year CMS works to remove bad actors from the extremely regulated industry. There must be a level of accountability among clients who will abuse the Medicare Advantage program.

Answer: If you are in an eligible age group for a Medigap/Medicare Supplemental plan . You must also have solid proof that you have had employer coverage. The letter must be in detail to show the reason why you are losing the coverage.

Answer: You need to meet with your agent to review the current coverage and to make sure that all of your doctors and specialists, hospitals are in the network that your current Medicare Advantage plan will cover, and you must also make sure that your MOOP can be covered by your savings. You may also want to get an indemnity plan.

Answer: Take the time to speak with an attorney . Do not listen to an individual at the nursing home it can cause your mother to lose her benefits.

Answer: The Medicare deductible will change each and every year as long as you are on the Medicare system . . There are many ways that you can work to protect yourself against the rising cost .

Answer: You don't need to worry, you can always find another PCP in the same practice. If your PCP chooses to drop from a Medicare Advantage HMO group. Your options are to call and find another PCP in the Medicare Advantage program or to pay out of pocket to continue seeing the provider if they accept original Medicare.

Answer: Home modifications are not covered by original Medicare! You need to look into speaking with your Medicare Advantage plan to see if they will cover this expense. 99% of the time, this will not be covered.

Answer: Moving to a rural area will truly affect your MAPD and MA plan. If I were your trusted agent, we would spend time researching the best plan for you. I would advise you to go back to original Medicare and then obtain a Medicare Supplemental Plan and an indemnity plan . We will then look over the Part D plan based on your daily prescription.

Answer: My overall suggestion is to look at getting an indeminity plan that will cover the out-of-pocket.

The cost is to be covered by another insurance company

Answer: Medicare and all MAPD ,MA plans do not work in Europe. They have limited coverage near Mexico and Canada.

Answer: No ! They have used this scare trait for the last 30 years . Do not allow the media and agents pushing a product to get you to make a rash decision .

Answer: I truly embrace you building a relationship with a broker who will invest time and energy to earn your business. One size does not fit all .

We encourage our agents to build on the relationship and work on being your advocate.

Answer: The best time to review your Medicare options is six to nine months before you become fully Medicare eligible. Then you need to review your options at least two times per year so that you can make sure your plan and doctors still fit your needs. Do not hesitate to ask your agent when you have a concern or a question.

Answer: You should have spoken to a professional agent to guide you to making the proper decision for your overall healthcare. If you are attached to your doctors and the service providers, then a medicare advantage or Medicare Supplemental plan may make a better plan for you so that you are not getting hit with the 20% that original Medicare will not cover.

Answer: The agent should have made you aware that the low upfront cost is not truly a saving for you and your family. The proper questions asked and answered would have saved you and your family a great deal of money.

Answer: The best way to save money on your Medicare Supplement plan is to conduct a yearly review with a qualified agent who is a broker and can show you different plans based on your state. There are plans available that can lock in your price for the duration of the plan.

Answer: The best advice is to speak with a Medicare Agent/ Broker that can tailor a plan that will benefit you and who will check in with you more than once a year to make sure the plan is meeting your needs. You must choose a agent that is your advocate.

Answer: NO! If you are going to have Medicare Part A only or Medicare Part A&B you should have a medical indemnity plan that will pay your out pocket cost . You do have a medical deductible with Medicare Part A and full Medicare. If you have a MAPD or MA plan you have an out of pocket expense .

Answer: Medicare advantage plans have there benefits ,but it may not be the best plan for your mother overall. You must check that all her PCP - Primary Care Physician and her specialist are in the network. Keep in mind that they may also leave the network at any time . You must also make sure that the plan will fit your mother lifestyle. Your agent if they are truly a professional will check each and every doctor to make sure they accept the plan and the co-payments if any .

Answer: I would strongly recommend that you take the time to look at all of your doctors, hospitals, and the services that you will need in the future. The MAPD{Part C} may be best for you, but you have to look at the complete picture. You may need to have a Medicare Supplemental plan or a MAPD (Part C) with a hospital indemnity plan.

Answer: There are many reasons why your friends' Medicare Advantage Plan does not mirror your plan. Do you have basic Medicare or a Medicare Advantage Plan? Do you have a Medicare Supplemental Plan? There are many questions that need to be reviewed, and we must take the time to review your needs versus what your coverage entails. You need to reach out to a knowledgeable, informed agent.

Answer: I would strongly recommend delaying your Medicare if your employer has better coverage that is less expensive than Medicare. You need to sit with a professional agent and allow them to comprehensively review your current plan and future options versus what is available in the Medicare realm.

Answer: You can delay the Social Security until age 70. You can take your Part A coverage when you turn 65, and you can delay your Part B until you fully retire, if you have employer and creditable coverage as good as Medicare. Do you plan on keeping your employer coverage until age 70?

Answer: The marketing sways most clients, and they also rely on their colleagues, friends, and family. They have brand loyalty because they work in the doctor's office.

They are also not used to a professional agent asking lifestyle questions so that we can make sure that this plan benefits them and their complete lifestyle.

Answer: Medicare cannot drop you for health reasons. Medicare is a federal health insurance program, and your health status does not affect your eligibility or enrollment in Medicare Parts A and B. However, Medicare Advantage plans (Part C) can disenroll beneficiaries for specific reasons, not including health status. If you have substantial health issues, you can't be dropped for that reason. There are also Medicare Advantage Special Needs Plans for people with certain chronic conditions (C-SNPs). It is essential to focus on improving your health for your sake, not out of fear of losing your coverage.1

Answer: The Scope of Appointment (SOA) for 2025 is a federally required document that outlines the specific Medicare plans and products a beneficiary agrees to discuss with an agent. This requirement is enforced by the Centers for Medicare and Medicaid Services (CMS) to ensure transparency and prevent high-pressure sales tactics. Agents must document the SOA before any face-to-face sales meeting to ensure both parties understand what will be discussed.

Answer: That form of marketing is not allowed, and that agent from a call center was not honest, which is not allowed. I am glad you didn't fall for the marketing.

Answer: To get the benefits of the PPO and not have the massive surprises of an unexpected bill for an out-of-network doctor, you should look at the ability to get a Medicare Supplement plan. Once you meet the plan's deductible, your plan covers all aspects of the bill. You can speak with an experienced agent who can review and asses your coverage for your lifestyle.

Answer: Yes, you must have a PDP plan for prescription, and I will strongly recommend that you get a hospital indemnity plan in case you are admitted to the hospital. The aspect is to have the 20% that Medicare will not cover to plan for that cost, and you must have dental and vision that will assist with your overall health care.

Answer: The best way to tell an experienced broker from an inexperienced broker is by the questions that they ask you about your needs, wants, and desires. They will have more than one policy and plan to offer they will take the time to tailor the plan for your current and future needs .

Answer: The most cost-effective way for a healthy Medicare-eligible person is to research the best Medicare Supplemental plan. I would not recommend a MAPD or MA plan .

Answer: Yes! If you are fully retiring from your present employer, you must review your Medicare Part B at least 60 days before your departure so that you don't have a lapse of coverage. You are also entitled to an SEP that allows you to choose an MA or MAPD plan. You must speak with an agent to review all your choices and opportunities.

Answer: The agent didn't ask the correct questions to put you on the proper plan. The entire process cannot be rushed to get a plan that will have lower out-of-pocket costs. You must make sure that your premiums are maxed out so that your out-of-pocket expenses are lower. AEP is Oct 15 - Dec 07, 2025, for the 2026 season.

Answer: You must compare the plans side by side for various reasons. The best way to do this is very easy: You must make sure that your PCP and the hospitals and urgent care centers in your community will accept the MAPD or MA plan. MAPD plans have a lower upfront cost,but they can be more expensive long-term based on life. You must also choose a MAPD plan that will allow you to meet and fit into your lifestyle.

Answer: Medicare uses a five-star rating system to evaluate Medicare Advantage plans. Medicare star ratings can change from one year to the next. Learn how to compare star ratings for the Medicare Advantage plans offered in your area.

If you are currently enrolled in a plan that is rated as fewer than five stars, you may be able to utilize the Medicare Five-Star Special Election Period to disenroll from your current plan and enroll in a five-star Medicare Advantage plan if one is available where you live.

This period lasts from December 8 to November 30 of the following year. During this period, you can only switch to a five-star plan. Special Enrollment Periods may be granted to individuals for a variety of circumstances, such as but not limited to living outside of the U.S. at the time of your initial Medicare eligibility or residing in a long-term care facility.

Answer: The fact that you had to declare bankruptcy due to medical bills will have no bearing on your ability to get a MAPD, MA, Medicare Supplemental coverage, and Part D coverage. You can get assistance from an agent with many years of experience.

Answer: Many programs can assist you in achieving your goals of having a zero-dollar cost for your Medicare Part B premium and a zero-dollar or low-cost option for your prescriptions. You need to have a dedicated insurance agent that can help you and manage the care and the programs for you.

Answer: Disadvantages of Medicare Advantage plans include:

Limited doctors and hospitals: These plans restrict the providers you can use.

Higher costs for serious medical needs: If you require a lot of medical care or complex treatment,

Medicare Advantage plans can be more expensive.

Preauthorization and coverage approval: You may need approval before certain treatments are covered.

Covered doctors may change: The network of providers can change, affecting your access to care.

Potential plan limitations: You might get stuck in your plan, making it difficult to switch out later.

Medicare Advantage (MA) is a private alternative to traditional Medicare. This type of plan must equal the coverage provided by original Medicare, but it typically provides more benefits, particularly vision, dental, and hearing services. Most MA plans include prescription medication coverage. People enrolled in original Medicare are covered by Part A for hospital services and Part B for outpatient care, but they must buy stand-alone Part D plans for prescription coverage.

The tipping point for private Medicare coverage came in 2023, when more than half of Medicare enrollees were covered by MA plans for the first time. But MA may not be right for you. Some people are better off with traditional Medicare

Answer: Medicare covers various cancer screening tests.

These include: American Cancer Society

Mammograms for breast cancer screening (covered for women 40 years old and older, with one mammogram every 12 months under Medicare Part B).

Colorectal cancer screening (with specific guidelines).

Pap tests for cervical cancer screening (covered under Medicare Part B).

Prostate cancer screening.

Lung cancer screening.

Answer: To reduce IRMAA (Income-Related Monthly Adjustment Amount), consider the following strategies:

Inform Medicare if you’ve had a life-changing event that affected your income.

Avoid certain income-boosting changes to your annual income.

Use Medicare savings accounts (MSA) contributions.

Watch your IRA/401(k) distributions and avoid taking large distributions in one year.

Increase contributions to tax-deferred accounts.

Donate appreciated assets directly to charity.

Make qualified charitable distributions (QCDs).

Distributions from Roth accounts do not count toward your MAGI.

Look for losses in your taxable accounts that could help offset any capital gains.

Submit the SSA-44 form with proper documentation if your income has decreased due to a life event.

Answer: The rules are very clear and precise regarding the rules for Medicare seminars. The law and rules set by the Centers for Medicare and Medicaid and all the insurance carriers are to be adhered to, so that they must be for educational, informational purposes only.

Answer: The best time to review your coverage is twice a year, and if you have any major medical, dental procedures that are within a 90-day window, so that you are aware of the coverage and the cost, i.e., of out-of-pocket expenses and co-payment or co-insurance. If you have any major life-changing events, such as moving to a new city, county, or state.

Answer: Medicare has nothing to do with LIFE insurance these are two different silos of the same farm! If you need to have this explained please take the time to reach out to me for further explanation

Answer: Biologic treatments for rheumatoid arthritis (RA) are medications that target specific parts of the immune system to reduce inflammation and joint damage. They are often used when conventional disease-modifying antirheumatic drugs (DMARDs) haven't been effective. Biologics can be administered via injection or infusion. They fall under your Part B coverage, not your Part D coverage.

Answer: You don't need a hospital Indemnity Plan, but I strongly encourage you to have one. With an MA or MAPD plan, you will have costs associated with your hospital stay that can place a huge financial burden upon you and your family.

Answer: If you get a MAPD or MA plan, don't get it just for the dental benefits. You must look at the ability to have a plan that will include your PCP and your hospital of choice . You can keep the original Medicare Part A and Part B with a separate dental plan that will cover all your needs .

Answer: To learn what is best for you is to engage a professional agent who is a broker. If you take the time to speak with a local or regional broker agent, they will design a plan just for you.

Answer: You must always list all your medications so that they can be checked against the formulary for the companies with a MAPD or MA plan, with a PDP plan.

Answer: I educate my clients about Medicare by giving them 15 - 20 minutes to go over the complex aspects of Medicare and prescription drug coverage.

I try to build a plan that will suit my clients' lives and travel. We have a truly in-depth meeting. I have the ability to build a plan that is superior to their needs.

Answer: That is a false statement and a rumor. Hositals that take Medicare Part A and will accept MAPD plan.

Answer: Medicare Advantage plans are not free! They are zero dollar cost up front, but there are co payments and co-insurance associated with these plans. It is a clever marketing ploy.

Answer: The ability to provide the seniors with the products that work best for them to manage their health care and prescriptions. To make sure that they have a well-rounded, complete health care experience.

I enjoy having a mix of products for the senior market, not just one product and one company.

I.E. Medicare Supplement plans, Medicare Advantage with Prescription Drugs(MAPD), Medicare Advantage (MA) stand alone dental and vision plans.