Jeffrey Sodikoff, Medicare Insurance Agent

Answer: MAKE LESS MONEY. IF YOU MAKE TOO MUCH MONEY AND ARE CHARGED ADDITIONAL FEES THEN THAT IS A GOOD PROBLEM TO HAVE

Answer: ANY CALLS OR EMAILS OT TEXTS YOU RECEIVE FROM MEDICARE , YOUR BANKS, OR ANY COMPANY ARE SCAMS. THEY WILL SEND YOU A LETTER. NEVER CLICK ON ANYTHING AND JUST HANG UP THE PHONE.

Answer: IF YOU ARE ON INEXPENSIVE GENERIC DRUGS YOU MAY PAY VERY LITTLE FOR THEM ON YOUR DRUG PLAN. YOU CAN CHECK THAT AGAINST THE DISCOUNT CARDS AND WEBSITES LIKE GOOD RX. ALL OTHER DRUGS I WOULD EXPECT YOUR PLOANS COPAYS WILL BE LESS THAN ANY DISCOUNT CARDS

Answer: YES, DURING THE OPEN ENROLLMENMT PERIOD FROM JANUARY TO THE END OF MARCH. THERE ARE SOME RESTRICTIONS

Answer: YES, BUT THEY MAY BE MEDICALLY UNDERWRITTEN WITH PREEXISTING CONDITION CLAUSES. YOU WILL HAVE TO WAIT UNTIL OPEN ENROLLMENT TO CHANGE YOUR PART D DRUG PLAN.

Answer: MEDICAID IS FOR PEOPLE WHO MEET CERTAIN FINANCILA CRITERIA FOR ASSISTANCE FROM THE GOVT. MEDICARE IS A TOTALLY DIFFERENT BENEFIT. KEEP IN MIND THAT YOU CAN HAVE A COMBINATION OF BOTH IF YOU QUALIFY

Answer: VERY TRICKY. YOU MUST READ THE EXPLANATION OF BENEFITS AND THE CONTRACT. THER IS A FEE FOR OBSERVATION

Answer: NO , IT IS GOVERNED UNDER FEDERAL LAW AND NOT COVERED EVEN IF YOU LIVE IN A STATE WHERE IT IS LEGAL

Answer: I RECOMMEND WORKING WITH A DEDICATED AGENT LIKE ME WHO HAS BEEN ASSISTING MY CLIENTS FOR OVER 35 YEARS. WE DO NOT CHARGE FOR CONSULTATIONS, AND THERE IS NEVER ANY OBLIGATION TO ENROLL WITH US. TOO MANY PEOPLE JUST GO ONLINE OR CALL THE INSURANCE COMPANIES CALL CENTERS. WHY NOT WORK WITH A TRUSTED ADVISOR AS YOU WOULD WITH YOUR ATTORNEY OR ACCOUNTANT? CONTACT ME.

Answer: ABSOLUTELY. YOU MAY HAVE TO CHANGE YOUR MEDICARE ADVANTAGE PLAN FOR A PLAN IN YOUR NEW COUNTY. ALWAYS CONTACT THEM WITH CHANGES

Answer: THAT DEPENDS ON MANY FACTORS. DO YOU HAVE ANY CREDITABLE HEALTH INSURANCE COVERAGE WITH A COMPANY NOW ? IF NOT , YOU WILL BE PENALIZED.

Answer: NONE.

ANY MEDICARE AGENT LICENSED IN FLORIDA CAN ASSIST YOU REMOTELY. THE ONLY POSSIBLE ADVANTAGE IS THAT THEY MAY BE ABLE TO RECOMMEND DOCTORS AND HOSPITALS TO YOU IF THEY LIVE IN YOUR AREA. MY 35 YEARS OF EXPERIENCE IN SOUTH FLORIDA HAS BENEFITED MANY OF MY CLIENTS THAT LIVE NEAR ME BUT I ALSO HAVE CLIENTS ALL OVER THE STATE. I AM VERY WELL KNOWN FOR MY NO-COST, NO-OBLIGATION MEDICARE CONSULTATIONS. YOU CAN CONTACT ME.

Answer: IF YOU ARE HEALTHY AND ITS IMPORTANT TO YOU TO ALSO HAVE ALL THE OTHER BENEFITS THAT ARE INCLUDED, SUCH AS DENTAL, VISION, HEARING, ETC THEN YOU WILL SAVE MONEY IN THE LONG RUN. KEEP IN MIND THAT YOU WILL BE GIVING UP THE FLEXIBILITY OF SEEING ANY DOCTOR OR GOING TO ANY HOSPITAL OF YOUR CHOICE THAT ACCEPTS MEDICARE. YOU WILL BE BOUND BY THE INSURANCE COMPOANIES NETWORK. FOR THAT YOU WANT TO LOOK INTO A MEDICARE SUPPLEMENT

Answer: MEDIGAP PLANS C,D,F,G,M WILL COVER OUT OF COUNTRY EMERGENCY CARE UP TO 5OK LIFETIME LIMIT. I WOULD HIGHLY RECOMMEND YOU ALWAYS BUY ADDITIONAL INSURANCE WHEN OUT OF THE COUNTRY. I WOULD GOOGLE TRAVEL INSURANCE AND I WOULD ALWAYS GET THE 1 MILLION DOLLAR POLICY WITH AT LEAST $ 500K OF EMERGENCY EVACUATION.

Answer: THE ANSWER TO YOUR QUESTION CAN BE FOUND IN YOUR " EVIDENCE OF COVERAGE " CONTRACT. OR YOU CAN CALL THE MEMBER SERVICES NUMBER ON YOUR INSURANCE CARD.

Answer: AS AN EXPERIENCED AGENT FOR OVER 35 YEARS WITH HUNDREDS OF CLIENTS STILL IN MY BOOK OF BUSINESS THEY ALL DEPEND ON ME FOR MY PROFESSIONAL ADVICE. I ONLY ENROLL MY CLIENTS IN PLANS THAT ARE SUITABLE FOR THEM AND HAVE ACTUALLY REFUSED TO ENROLL PEOPLE WHO WANT TO CHOOSE A PLAN THAT IS NOT SUITABLE FOR THEM. I POLITELY ADVISE THEM TO CHOOSE A DIFFERENT AGENT. CONTACT ME.

Answer: IF YOU CHOSE A PPO AND KNEW IN ADVANCE YOU WERE GOING OUT OF NETWORK THEN YOU SHOULD HAVE BEEN TOLD THAT BY YOUR AGENT. THESE PPO PLANS ARE NOT DESIGNED TO BE AFFORDABLE FOR OUT-OF-NETWORK BENEFITS. YOU SHOULD ALWAYS STAY IN NETWORK UNLESS THERE IS AN EMERGENCY, AND THEN YOUR HOSPITAL MUST CHARGE YOU AS YOU ARE IN NETWORK FOR ONLY THE EMERGENCY CARE......... NOT FUTURE CARE IF YOU NEED AN OPERATION, ETC. THAT'S WHAT WE AS AGENTS ARE COMPENSATED FOR. YOU CAN ALWAYS CONTACT ME.

Answer: YOU MUST CHECK THE EXACT NAME AND DOSAGE OF EACH DRUG IN THE INSURANCE COMPANY DRUG FORMULARY. THIS IOS EXTREMELY IMPORTANT

Answer: YOUR ANNUAL NOTICE OF CHANGE WILL BE RECEIVED BY OCTOBER 1ST 2026. THIS WILL BE FOR THE MEDICARE ANNUAL ELECTION PERIOD FOR 2027

Answer: YOU CAN ENROLL 3 MONTHS BEFORE YOUR BIRTHDAY MONTH, THE MONTH OF YOUR BIRTHDAY, AND 3 MONTHS AFTER YOUR BIRTHDAY MONTH

FOR EXAMPLE…..BORN JANUARY 20

FROM 10/1—-4/1……7 month window

Answer: YES. IF YOU WANT TO UPGRADE YOUR CATARACT SURGEY AND SPEND THOUSANDS OF ADDITIONAL DOLLARS YOU CAN. BASIC SURGERY IS COVERED

Answer: YES. YOU SARE ENTITLED TO LIMITED HOME HEALTHCARE BENEFITS TO FOLLOW UP WITH YOUR CARE AT HOME , SUCH AS CHANGING BANDAGES AND WOUND CARE.

Answer: A MEDICARE ADVANTAGE PLAN IS WITH A PRIVATE INSURANCE COMPANY WHO YOU CONTRACT WITH TO COVER YOUR MEDICARE HEALTH BENEFITS. YOU ARE ESSENTIALLY PLACING YOUR TRADITIONAL MEDICARE PARTS A AND B WITH THIS COMPANY WHICH PAYS FOR YOUR MEDICAL CARE. THIS IS VERY DIFFERENT THAN REMAINING ON TRADITIONAL MEDICARE AND ENROLLING IN A MEDICARE SUPPLEMENT AND PART D RX PLAN.

Answer: IF YOU HAVE A DEDICATED MEDICARE AGENT YOU ARE WORKING WITH HE OR SHE WILL GUIDE YOU THROUGH THE PROCESS. THAT IS ONE OF THE MOST IMPORTANT SERVICES I PROVIDE FOR MY CLIENTS. YOU WILL NEED TO GO ON MEDICARE.GOV AND APPLY FOR PART A HOSPITAL AND PART B MEDICAL . THE EFFECTIVE DATE IS USUALLY THE 1ST OF THE BIRTHDAY MONTH UNLESS YOUR BIRTHDAY IS ON THE FIRST OF THE MONTH AND THEN ITS THE 1ST OF THE PRECEEDING MONTH.

I ASSUME YOU ARE NOT ON SOCIAL SECURITY RETIREMENT BENEFITS, BECAUSE IF YOU WERE THEN IT WOULD HAVE ALREADY COME IN THE MAIL.

Answer: YOU CAN ALWAYS TELL THE DIFFERENCE BECAUSE AN EXPERIENCED MEDICARE BROKER LIKE MYSELF NEVER RUSHES YOU. HE OR SHE MUST MAKE SURE YOU UNDERSTAND ALL YOUR OPTIONS AFTER CAREFULLY REVIEWING YOUR DOCTORS AND SPECIALIST AND PRESCRIPTION DRUGS.

Answer: I AM PAID BY THE INSURANCE COMPANY, NOT MY CLIENTS. A REPUTABLE AGENT WILL DO THE REQUIRED DUE DILLIGENCE AND ENROLL YOU IN A PLAN THAT IS SUITABLE FOR YOU WHICH HAS NOTHING TO DO WITH OUR COMMISSIONS.

Answer: THE ONLY DISADVANTAGE IS THAT YOU STILL WANT TO MAKE SURE ALL YOUR CARE IS IN NETWORK BECAUSE THE OUT-OF-NETWORK BENEFITS ARE VERY EXPENSIVE. YOU DO NOT NEED REFERRALS BECAUSE IT IS NOT AN HMO. MANY PPO PLANS HAVE NATIONWIDE NETWORK,S UNLIKE AN HMO

Answer: NO...............................................................................................................................................................................................................................................................................................................................

Answer: YOUR AGENT SHOULD HAVE REVIEWED THE MEDICATIONS WITH YOU AND THE COST OF EACH ALONG WITH ANY PRIOR AUTHORIZATIONS.

Answer: YOU NEED TO REVIEW YOUR ANNUAL NOTICE OF CHANGE AND SEE WHAT CHANGES THERE ARE FOR 2026 REGARDING THE TIER THAT YOUR DRUG FALLS UNDER. THEIR ARE MULTIPLE DRUG TIERS , USUALLY 1-6. THESE TIERS ARE LABELED PREFERRED GENERIC, GENERIC, PREFERRED BRAND , BRAND , ETC. THESE COPAYS AND / OR COINSURANCE MAY HAVE CHANGED INCLUDING THE DEDUCTIBLES. BOTTOM LINE......... ANY AND ALL DRUGS YOU HAVE THAT IS IN THE COMPANIES DRUG FORMULARY CANNOT COST YOU MORE THAN $2100 NEXT YEAR. THAT IS YOUR MAXIMUM OUT OF POCKET CAP.

Answer: ITS $2100 FOR 2026 AND THAT IS YOUR MAXIMUM OUT OF POCKET EXPENSE FOR THE YEAR IF YOUR DRUG IS IN THE RX FORMULARY WITH YOUR PLAN. IT USED TO BE UNLIMITED. WE ARE VERY FORTUNATE TO HAVE THAT CAP

Answer: IT DEPENDS ON SEVERAL FACTORS. MOST LIKELY YOU WILL

Answer: YES WE ARE ALREADY IN A CRISIS

Answer: YES IT WILL GO UP EVERY YEAR

Answer: No

Answer: You can be very happy for 2026 with the new laws. Any medications covered in your Medicare plans drug formulary will cost you No more than $ 2100 out of pocket next year, that is your annual cap on covered expenses. No more Donut Hole. In addition, you can pay out that $ 2100 over the year , ( Without interest ) if you enroll into the free Medicare Prescription Payment Plan ( MPPP )

Answer: That is an easy question to answer. Your parents should be thrilled to dicuss their upcoming Medicare eligibility with you. In this chaotic healthcare market their costs and medical coverage will be improved dramatically once they are on Medicare. my most importrant advice to all those reading this post, is to Recommend that they contact a Licenenced Medicare agent ( like mysel ) who specializes in Medicare planning. If they can afford a Medicare Supplement it can cost anywhere from $100 to $400 a month at age 65 , depending on which plan you choose and where you live.

If they can afford to be on Traditional Medicare Part A and Part B and enroill in a Medicare Supplement and a Stand Alone Part D Prescription Drug plan, they will have the most Flexible and Easiest medical coverage that our country offers. it will be the Rolls Royce of medical coverage. No referrals. No Provider Networks, No Primary Care Doctors required, and finally Simplified Medical Procedure Authorizations. Unlike the Medicare Advantage plans, which are available for $0 monthly premium, with many restrictions, having Traditional Medicare + Medicare Supplement + Prescription Drug card will allow you to access the best medical care all over the country as long as the doctor, hospitals and facilities accept Traditional Medicare ( which almost all do ).

Answer: Life insurance is extremely important to your financial planning as you get older, especially if someone is sepending on your income and / oe social securiety checks to live

Answer: If Medicare does Not cover your procedure then your Medicare Advantage plan will Not , neither would any Medicare Supplement. Just ask the doctors insurance people and they will tell you the same thing.

Answer: They are all overhyped to entice you to enroll. My advice is to read the Evidence of Coverage ( EOC ), Not just the Summary Of Benefits to see the fine print on your dental plans.

Answer: TRADITIONAL MEDICARE PART A HOSPITAL AND PART B MEDICAL ,ALONG WITH ENROLLING IN A PART D PRESCRIPTION DRUG PLAN ,AND THEN ADDING A MEDICARE SUPPLEMENT, IS THE MOST FLEXIBLE, SIMPLIST AND EFFECTIVE COVERAGE YOU CAN ENROLL IN OUR COUNTRY. FOR THIS ,THERE WILL BE A MONTHLY PREMIUM WITH NO OTHER ANCILLARY BENEFITS SUCH AS DENTAL, VISION, HEARING , OTC, MEALS, TRANSPORTATION,ETC ETC. INCLUDED.

UNLIKE MEDICARE ADVANTAGE PLANS, CAN REQUIRE YOU TO CHOOSE A GATE KEEPER PRIMARY CARE PHYSICIAN, THAT MANAGES YOUR CARE WITH REFERRALS TO SPECIALISTS REQUIRED, INCLUDING REQUIRED RESTRICTED DOCTOR AND HOSPITAL NETWORKS.

TRADITIONAL MEDICARE ALONG WITH A SUPPLEMENT ALLOWS YOU TO ACCESS ANY DOCTORS, HOSPITALS, REHAB CENTERS, ETC, ETC, ANYWHERE IN THE COUNTRY THAT ACCEPTS MEDICARE. NO NETWORKS, NO PRIMARY CARE DOCTORS REQUIRED, NO REFERRALS REQUIRED, A MUCH QUICKER AND EASIER AUTHORIZATION PROCESS FOR YOUR NECESSARY MEDICAL CARE.

IN SUMMARY, IT IS MY PROFESSIONAL OPINION THAT IF YOU CAN AFFORD A MEDICARE SUPPLEMENT YOU SHOULD ABSOLUTELY ENROLL IN ONE. REMEMBER, IF YOU EVER CHANGE YOUR MIND YOU CAN ALWAYS MOVE TO A MEDICARE ADVANTAGE PLAN IN THE NEXT ANNUAL ELECTION PERIOD WITHOUT ANY MEDICAL UNDERWRITING. IN MOST STATES YOU CANNOT MOVE TO A MEDICARE SUPPLEMENT WITHOUT MEDICAL UNDERWRITING AND MAY HAVE PRE EXISTING CONDITIONS EXCLUSIONS, UNLESS YOU FALL INTO A SPECIAL ENROLLMENT PERIOD ( SEP ) LIKE LOSING GROUP HEALTH INSURANCE , YOUR MEDICARE PLAN EXISTS THE MARKET ETC.

Answer: There are NO discounts. Medicare Advantage plans do NOT have medical underwriting. Medicare Supplements in some cases do. They do charge more premium for smokers though. Its best to enroll in a Supplement when you are first eligible. That will be your plan for life.

Answer: Unfortunatly, there will always be agents who " push " plans that pay higher commissions. Medicare Advantage plans pay much higher commissions than Supplements. In the 30 years I have been practicing, my clients are mostly on Medicare Supplements. They are the most flexible plans in the country. You can go to any doctor, specialist, hospital, rehab facility , etc, anywhere in the country that accepts Medicare. No Referrals, No Networks, much quicker authorizations for medical procedures.

Answer: Unfortunately some plans do and thats why you need to read the fine print. It would be in your Evidence Of Coverage ( EOC ) which is your deep dive into benefits.

Answer: Most Medicare Advantage Plans have these benefits. Just shop around to see which plan is best suitable for you

Answer: There is NO donut hole anymore and you now have an out of pocket maximum on drugs covered in the plans formulary of $ 2100 in 2026

Answer: Emergencies are covered all over the world. In the United States, emergency room care is set at In Network pricing. If you have a Medicare Advantage PPO plan you can also go Out of Network anywhere in the country, if the provider accepts out of network benefits. Remeber your costs share would be much higher if its not an emergency and you go out of network.

Answer: You need to be more specific. Are you speaking about the monthly premiums for Medicare Advantage plans ?Are you speaking about the Part B premiums you pay to the Government ?

Can you qualify for " Extra Help " or Medicaid ? It would all depend on your income and assets to determine what level of financial health you would receive.

Answer: We all pay taxes through our payroll deductions when we are working and receiving income. This is what helps to fund Medicare. You also may pay taxes on your social security income that comes in . That you need to discuss with your tax advisor

Answer: FLORIDA RX CARD

MEDICARE SAVINGS PROGRAMS

MEDICARE EXTRA HELP ( LIS )

MEDICARE PRESCRIPTION PAYMENT PLAN.......... PAY OVER 12 MONTHS

MAXIMUM OUT OF POCKET ANNUAL COST OF $2000 FOR DRUGS IN YOUR RX FORMULARY. GOING UP TO $2100 NEXT YEAR

Answer: Of course the care must be medically necessary. Then its only partime or intermitent care and you must be homebound. It is NOT the same home health care that you would receive with a Long Term Care policy. Those policies specifically help you with the activites of daily living ( ADL'S ). that would include bathing, dressing, eating, etc.

Basically, Medicare covers you if you are hospitilized and in need of a follow up care for a few hours to change your dressings, bandages, wound care, etc, and then then you would need to receive services from a Medicare certified home Health Care agency. Physical, Occupational and Speech therapy would happen if you are under the care of a doctor who certifies that you need the therapy to recover.

Answer: My question to you is, Why Would You Not Want to establish a professional relationship with a Licensed Medicare Agent ? There is Absolutely No cost to you to work with someone who knows the business, and more importantly, Knows You. I have been working with the same clients, some for over 30 years, and have built professional relationships with them based on doing Whats Best for them...... OR, you can navigate the chaotic and turbulent Medicare waters yourself on line. After spending hours looking at every option and being more confused than ever, you then you will contact the insurance carrier you chose for your Medicare advantage plan. You will then speak to harried , hard working, call center agent , who you don't know and more importantly Doesn't Know You. Dedicated Agents can help you sort through all your plan options after doing their Due Dilligence with you, and finding out what your health care needs are. Then they can populate their software with this information into their software's filter, and watch your available choices pop up that match the filtered info. Then we email you these filtered plans to you for a side by side review. Then we have a consultation to discuss your concerns, and if one of the plans are suitable for you, and if you so wish, then we can enroll you online. Remember, there have been NO costs to you for this work. I hope this helped you understand the value what an experienced, licensed Medicare Agent brings to the table. We are screened annually and are required to do literally hours of compliance and product training, and then tested with some tests requiring a 90% passing score.

Answer: In one word ,YES. I have never seen these many changes in the Medicare Advantage Plans for 2026 that I have ever seen over the last 30 years that I have been a licensed Medicare agent in Florida. Hospitals and doctors are leaving the networks. Well known insurance companies are pulling their plans out of the market. Out of Pocket Maximums, which is the maximum amount of money that you are financially responsible for ( excluding prescription drugs at a pharmacy ), are being increased by double digits. The good news is, that the prescription drugs you buy at a pharmacy, AND, is in your Medicare Advantage plans Drug Formulary, is capped for 2026, at a $2100 a year out of pocket maximum. Even better news, is that you can spread that annual cost over 12 months, interest free. My final recommendation from 3 decades of experience, is to work with a dedicated agent who you can reach 7 days a week on his cell phone. Working with a " call center " agent who is working for the insurance carrier is Not recommended because you have No professional relationship working in your favor. Remember, agents like myself are compensated by the insurance carrier. A dedicated insurance agent is your advocate at No cost to you. My clients that I still have for over 30 years won't let me ever retire, and some are over 90 now. I now have their children as clients.