Jessie Rhodes, Medicare Insurance Agent

Answer: Yes, there is way around this if you have a Medicare Advantage Plan they will cover it after your copay so when it comes to the Medicare Advantage Plan so companies offer smaller copays then others.

Answer: What I like the most is helping and educating clients on their options and knowing that once we have completed the process that the clients know they have the right product for their needs.

Answer: We all pay into Medicare while we are working but once you are on Medicare then no unless your income is above a certain level then you will pay.

Answer: generally Social Security will reach out to you three months prior to turning 65, so then you will know if you have met all the criteria for parts A and B, also if you have health coverage through an employer or spouse you can choose to maintain it or go to Medicare

Answer: I would say no at this time but I would recommend that everyone explore all of their options when looking for a plan to make sure it really fit your needs.

Answer: Not at this time that I am aware of. So generally the extra help assist with your medications cost so there has been no changes to the $2000.00 cap on medications.

Answer: As someone who was a call center agent I would say yes as long as the Agent is Licensed and appointed in that state and have you the client best interest in mind.

Answer: So when it comes to Part B generally everyone pays the same cost unless your income reaches a different threshold. Now with regards to the different options to cover the 20% then Yes with a Medicare advantage plans they will generally start off at zero cost and a Medicare Supplement plan average cost would start at around $100.00 along with the cost of a PDP plan.

Answer: Each carrier will have a list of dental provider who takes the Medicare Advantage Plans but in most cases the Dental office will have that information as well.

Answer: So with the Original Medicare the part B deductible doesn't change yearly but when it comes to the Medicare Advantage plans they may change on a year to year basis but generally those plans do not have a Medical deductible.

Answer: So when someone is completely new to Medicare I first explain the options that comes with Medicare, such as just having original Medicare, Medicare Advantage, and Medicare supplement. I will then go over how each options work and the pros and con of each, then finally I would do a needs analysis to determine which option fit their needs.

Answer: So when it comes to the assisted living I would say that it does fall short due to the fact it leaves that 20% cost that is unknown to the client but that is where a great Agent will advise the clients on the other option that will help cover those costs.

Answer: My recommendation would be to get a Medicare Advantage Plan and one of the reason is that on Most Medicare Advantage there are no drug deductible and with a standalone drug plan they all have deductibles so I will always recommend comparing both options

Answer: The best way to compare is to contact and Agent that have access to multiple carrier in both Medicare advantage and Medicare Supplement, also you would to take a look how often you use your plan and are you looking for those extra benefits.

Answer: The next step will be to contact Social Security office at least sixty to ninety days prior to retirement so that your part B is active then you can have your Medicare plan active and in effect so that you would have seamless coverage

Answer: My first response would be to listen to your kids but then I would recommend finding an Agent who could explain to you the the difference between the two and then I would also recommend doing an needs analysis to determine which option is best for you.