Jermaine Williams, Medicare Insurance Broker

Answer: Yes is covered on the Medicare Part B benefit. I will just depend on the cost. If you are choosing a Medicare Advantage plan. the cost could come out less expensive

Answer: IRMAA stands for Income-Related Monthly Adjustment Amount which is an additional charge on top of the standard Medicare Part B and Part D premiums for those with higher incomes. So depending on your tax-bracket that may be the reason why you're paying more in premiums

Answer: This create more scrutiny on coverage denials and prior authorizations because of increased government regulation

Answer: Medicare Appeals must be submitted within 120 days whereas Medicare advantage plans must be submitted within 60 days of the denial

Answer: If have been on disability benefits for 24 consecutive months then you qualify for Medicare A&B automatically and will be issued a Medicare ID

Answer: There are various Medicare plans that you can look into. More than looking for the cheapest plan, you need to look for the plan that provides you the most value. I always approach people with 3 principles when looking for healthcare which is based on lifestyle, income and health history.

Answer: Yes you can but you be required to pay the Medicare Part A and Medicare Part B enrollment fees which can change very year.

Answer: You will be subject to high deductible and high coinsurance without the security of having a Medicare Supplement plan or a Medicare Advantage plan. Original Medicare only covers a portion of your medical costs.

Answer: This should not impact your health plan because if Medicare covers your health condition so will the Medicare plan. Now if you develop a certain medical condition (i.e. diabetes, congestive heart failure, cardiovascular disease, etc.) consult with your local agent about what options may be available to you.

Answer: You will need to set an appointment or go to your nearest Social Security office and apply for Medicare part A & B. In that process, you should determine if you're going to be drawing social security retirement payments or not. Once you've established that, work with your local agent on the next steps.

Answer: Discount cards have no effect on your Medicare prescription drug plan. It most cases, cost savings come from the your Medicare plan or the discount card from that retailer (grocery store or Goodrx). You have to use either or but not both and it depends on what saves you the most money.

Answer: You will receive a high-level overview of your Medicare benefits. A Medicare agent is the subject matter expert and the one you should be able to trust to help find the benefits you need.

Answer: Medicare and Social Security work together for those who have been on disability for 24 mos. of which they have SSDI benefits and will automatically be enrolled into Medicare

Answer: Yes and no. If you still employed and it is deemed credible coverage then you will not be penalized. If not, you are expected to apply for Medicare at 65 to avoid a penalty

Answer: Yes but these may require a prior authorization in most cases and a weight-loss program. Consult with your doctor.

Answer: You can speak to a nutritionists, there are wellness programs insurance companies have and seek advice from you primary care doctor

Answer: Yes likely for non-payment or other factors such a falsifying information on the applications. It is important questions completely and pay your premium on time

Answer: Yes, drug plans coverage at least two forms of the medication on their formulary. If not, you may qualify for step-therapy or receive a prior authorization

Answer: These no longer a coverage gap of donut hole for 2025. Most cholesterol medication will fall under the initial coverage phase

Answer: If you are 65 of older you may still be required to have Medicare. Just like VA, veterans are still required to enroll in Medicare

Answer: The ability to educated people on healthcare and provide them the services they need. Building rapport and trust when everyone just wants to make money off of them

Answer: Choosing an insurance solely based on perks such as OTC benefits, wellness benefits an food cards. Making sure your doctor is covered and costs associated with your care is more important

Answer: It is great outline of your benefits. Standard benefits and should be able to compare it with other insurance carriers.

Answer: Hospice care. It is a very underrated benefit and provides more flexibility that people think. Just because you are on hospice mean you are at the end of your life. It is a great mechanism for clients or the children of the client to receive the help they need.

Answer: I do believe the star ratings play as much as factor as one would think. It there is a plan with 5-star rating then great, you can use that to change you plan under the Special Election Period. However, the star ratings are an overrated mechanism in my opinion.

Answer: Illustrating that not all plans provide everything they need. I try to make clients understand the 80/20 rule where they need to look at their insurance plans as 80% of what I really need/want and the other 20% where I can live without. Keep in mind that you are going to have costs when you use your insurance.

Answer: Nothing really happens to your Medicare advantage for the post part. You might be eligible for an Institutional Dual Eligible plan (if there's one available in your area). Otherwise, there are other solutions such as state Medicaid (if qualified) and other resources.

Answer: It can improve some efficiencies in getting claims received and processed must faster. However, there as some human elements that AI cannot account for.

Answer: Yes, please, you can receive dental, vision, and hearing coverage with Medicare. Please contact me for more information. Jermaine Williams

Answer: Yes you have an option to enroll into a Medicare insurance plan. Would like to set up a consult to discuss?