Jerry Cohen, Medicare Insurance Broker
Jerry Cohen
Self Employed Insurance Broker
Medicare Broker Licensed in NY
Contact Details
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Location
Port Jefferson Station, NY
About Me
Hi, my name is Jerry and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Articles by Jerry Cohen
Q&A with Jerry Cohen
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: I think the most important question a person should be asking about Medicare is how will MediCare cover things if I develop a serious medical problem. Which plan will be easier for me to get the care that I need if I develop a serious medical problem a Medicare supplement or a Medicare advantage plan?
How do you educate clients who are completely new to Medicare?
Answer: I like using materials that are published by the Federal government as a big part of my introductory meeting with a client. The government publishes a tremendous amount of useful and informative materials on just about evry Medicare topic. I have also taken the time to put together questionaires that I complete with new clients to find out what medications they are using and whether they have any doctors that are important to them. If a specialist or two are mentioned this gives me a track to question so far as the extent of the medical item the person might be experiencing.
How do I budget for Medicare costs if I expect my health to decline in the next decade?
Answer: A person would need to have a crystal ball to predict the future in terms of treatments and costs that may surface over the next 10 years. Given the current fnancial issues at medicare it may be good to asume that coverage reductions will occur or higher cost sharing will be expected from covered participants so the answer is liquid cash; easily accessed if needed for medical costs is the smartest strategy.
I exercise regularly and maintain a healthy lifestyle. Does Medicare offer any incentives or additional benefits for preventive health behaviors?
Answer: While Medicare does encourage maintenance of good health by covering an annual physical each year the real support comes from Medicare Supplement or Medicare Advantage plans that cover gym memberships and healthy living options such as dieting and smoking cessation.
How can I save money on my Medicare Supplement?
Answer: For people who want a Medicare Supplement plan who currently are in good health High Deductible plans offer a low monthly premium even though they require satisfaction of a high dedutible before they cover medical costs. If a person is in good health they also may be willing to consider a Plan N over a Plan G wit the only difference in the two plans being a $ 20 Co Pay on Plan N when and if a person needs medical services.
My friend said she got a free annual physical with Medicare, but my doctor billed me. What's going on?
Answer: There is a lot of confusion about what Medicare will and will not cover under the " free " status so far as it pertains to an annual physical.
What Medicare will pay for isa a visit that only addresses health maintenance and preventive care. Included in the Medicare annual wellness visit there is no requirement for an actual hands-on physical exam such as listening to your heart and lungs.
It is really just to check on stuff that is not actively going on that you might not have symptoms of—and that’s what makes it different from other types of visits where you usually go in because either you’re sick, you’re not feeling well, there’s something wrong or you already have a disease that you’re managing and want to make sure that it hasn’t gotten worse or ... what to do next for it. Medicare calls the visit to the doctor an Annual Wellness visit. There is also a one time Welcome to Medicare visit which is covered by Medicare at 100% but it is not the same as a comprehensive Physical Exam.
I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium instead?
Answer: My first question is did you check to make certain that the providers you value are in the network of the plan you purchased. Second did you clearly understand the plan deductibles for in and out of network care. Were you clear on plan Co Pays in and out of network? Are you receiving services that are covered by Medicare?
If I need hospice care in the future, can my Medicare plan cover it?
Answer: Generally Medicare will cover hospice care 100 per cent. In order for expenses to be covered you need to use a facility that participates with Medicare.
What is the main benefit of Medicare Part D?
Answer: The main benefit of Medicare part D is that the cost of prescription medications are covered in part or totally by having this coverage. If you are covered by a Medicare part D plan the most you could be expected to pay for prescription medications is capped at $2000 for the year.