Jaye Maxx Alexander II, Medicare Insurance Broker

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.

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