Jim Carroll, Medicare Insurance Broker

Answer: Would it be a bad idea to use the knowledge and experience of a licensed health insurance agent/broker who also has the annual Medicare certifications and insurance carrier trainings? It costs you nothing, but can gain you everything.

Although you may be completely comfortable choosing and self-enrolling into either a Medicare Advantage Plan or Medicare Supplement and Prescription Drug Plan, working with an certified agent/broker might mean the difference of you paying thousands of dollars more during the year by not having the knowledge of how different plans may or may not meet your specific medical needs. Can you afford to choose the wrong plan yourself and have a huge medical bill cause you financial hardship?

Answer: A PPO allows you to choose any providers in-network, and generally don't require referrals for specialist. And, although you will pay more for services, you can go to an out-of-network provider.

In contrast, with an HMO, you must select a Primary Care Physician and see that provider before you are allowed to see a specialist. That said, no services will be covered if you go out of the insurance carrier's network except for medical emergencies if you are traveling out of your network area.

Answer: Yes, certain Medicare Advantage Prescription Drug Plans (MAPDs) and Medicare Advantage Dual Eligible Special Needs Plans (D-SNP) (Dual = Medicare/Medicaid), will cover different chronic and severe asthma and breathing conditions. Depending on your geographic location and insurance carrier availability, there are deductibles, and out-of-pocket maximums to meet each year.

Also, a Medicare Supplement combined with a Prescription Drug Plan (PDP) is another viable option because if purchased when you are Medicare first eligible, it is guaranteed issue and there is only a $250 annual deductible.

Answer: Absolutely. A Medicare Supplement Plan G covers 100% after you meet the $257 annual deductible. The reason this sounds so simple is because you are paying a monthly premium to a private insurance company. But, if you do the math, the 12 months of premiums are still less than the typical deductible and out-of-pocket maximums with a Medicare Advantage Plan. You can also add a Prescription Drug Plan usually a zero to little cost, depending on the Tier level of your medications.

Answer: Yes, if you qualify for a Medicare/Medicaid Chronic Special Needs Plan (C-SNP) for diabetes. The insurance carrier will assign a case person to help you find the nutrition counseling.

Answer: Yes. This is why the first thing you are asked is to verify your zip code.

Health insurance companies use hundreds if not thousands of datapoints to determine what plans they offer in geographical locations.

If you move to a different zip code, it is critical you contact either your broker or agent, or insurance company if you self-enrolled. Otherwise, you might go to a new provider who doesn’t take your plan.

Think of it like this - Insurance companies have many types of plans, and the different types have specific nuances. Much like a car manufacturer has different models of vehicles, and each model has different trim levels.

Answer: There are several misconceptions:

1. Medicare is free.

Fact: The cost of Medicare Part B is taken directly from your Social Security check.

2. Medicare Advantage Plans are free/have $0 monthly premiums.

Fact: Albeit there are Medicare Advantage Plans that do have $0 monthly premiums, people are often surprised to find they have doctor/specialist visit copays, annual deductibles, and maximum out-of-pocket costs. And, Medicare Advantage Plans only pay for the first 21 days in a skilled nursing facility.

Answer: My general answer is that Original Medicare Part A and Part B are Never enough coverage.

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Relatively speaking, how much you consider is "enough" coverage depends on how much money you are comfortable spending on medical expenses.

Medicare.gov > Inpatient hospital care web page shows,

"You pay this in each benefit period (in 2025):

* Days 1–60: $0 after you meet your Part A deductible ($1,676).

* Days 61–90: $419 each day.

* Days 91 and beyond: $838 each day for each lifetime reserve day (up to a maximum 60

reserve days over your lifetime).

* Each day after you use all of your lifetime reserve days: You pay all costs.

https://www.medicare.gov/coverage/inpatient-hospital-care

https://www.medicare.gov/coverage/long-term-care-hospital-services

https://www.medicare.gov/coverage/inpatient-hospital-care/inpatient-outpatient-status

Answer: Typically, when someone signs up for Original Medicare Part A and Part B, they check the box stating they want the Part B monthly premium to be deducted directly from their monthly Social Security check. The standard monthly premium for Medicare Part B in 2025 is $185.00.

Log in to your Medicare.gov account, and you will see the plan(s) you are enrolled in.

Answer: There are 3 types of Special Needs Plans (SNPs): Dual Eligible (D-SNPs), Chronic Condition (C-SNPs), and Institutional (I-SNPs). The most common are D-SNPs. These plans are just like Medicare Advantage Plans, but with extra benefits based on the member's specific needs.

D-SNPs are for individuals who qualify for both Medicare and Medicaid. The level of benefits received is based on either financial need, medical need, or both.

C-SNPs are for individuals who have at least one of the chronic conditions listed on the Centers for Medicare & Medicaid Services website https://www.cms.gov/medicare/enrollment-renewal/special-needs-plans/chronic-conditions. These plans often assign a care coordinator to the member to help manage their condition(s).

I-SNPs are for people living in institutions like nursing homes or requiring constant nursing care at home.

The insurance carriers will require proof that someone qualifies for a special needs plan when they enroll, such as their Medicaid number, a specialist doctor who is treating them for the chronic condition, or a letter from the nursing home.

Answer: Blunt but honest; sometimes you really do get what you pay for. Insurance companies are businesses, and receive a monthly payment from the Centers for Medicare & Medicaid Services. They would go out of business if they paid 100% of everything. That's why there's a give and take.

I tell my clients to think about a double-sided scale, like Statue of Justice holds. Imagine your monthly premiums are in one scale and the other side is empty. Your premiums make the scale go down. Then, put everything else you have to pay (deductible, 20% coinsurance, and maximum out-of-pocket) on the other side. What happens? The more you add to one side, it goes down and the other side goes up.

Unfortunately, people look at the immediate benefit of not having a monthly premium and don't weigh the extra costs of the plan that are shown in the Summary of Benefits. This is why a needs assessment is so important. Deciding whether to enroll in a Medicare Advantage plan or a Medicare Supplement depends on you health and how much you will spend on medical care for the entire year.

Medicare Advantage Plan (average costs for easy math)

Monthly Premium: $0

Part B Premium (what comes out of your monthly Social Security check): $185x12= $2,200

Annual Deductible: $5,000

Coinsurance: 20% until you reach your Maximum Out-of-Pocket

Maximum Out-of-Pocket: $9,400

Dr. copays, 2 visits per year: $50

2 Specialist, 2 visits each per year: $200

TOTAL..................................................$7,470 (this is only factoring the Deductible and not Coinsurance to reach your Maximum OOP)

VS.

Medicare Supplement Plan G

Monthly Premium: $200x12= $2,400

Part B Premium (what comes out of your monthly Social Security check): $185x12= $2,200

Annual Deductible: $257

Maximum Out-of-Pocket: $0

Dr. copays, 2 visits per year: $0

2 Specialist, 2 visits each per year: $0

TOTAL..................................................$4,857

Answer: The only income question on Medicare.gov "Estimate when I'm eligible for Medicare" page asks, "Have you worked at least 10 years for which you paid Medicare taxes?". https://www.medicare.gov/eligibilitypremiumcalc#/eligibility

A high income earner might pay more than the standard Part B premium. The amount is based on your modified adjusted gross income on your IRS tax return from 2 years prior to the current plan year. For 2025, the threshold for an individual tax return is $106,000 and $212,000 for a joint tax return. https://www.medicare.gov/publications/11579-medicare-costs.pdf

Answer: How old are you?

For clarity, when exactly did you lose SSI? You have 3 months to join a Medicare Advantage Plan from either the date you lost Medicaid or the date you were notified that you're no longer eligible, whichever is later.

Also, regardless if you lost SSI, if your disability is due to one or more of the chronic conditions recognized by Centers for Medicare & Medicaid Services (CMS), you would qualify to join a Chronic Condition Special Needs Plans (C-SNPs). Those chronic conditions are:

Chronic alcohol and other dependence

Certain autoimmune disorders

Cancer (excluding pre-cancer conditions)

Certain cardiovascular disorders

Chronic heart failure

Dementia

Diabetes mellitus

End-stage liver disease

End-Stage Renal Disease (ESRD) requiring dialysis (any mode of dialysis)

Certain severe hematologic disorders

HIV/AIDS

Certain chronic lung disorders

Certain chronic and disabling mental health conditions

Certain neurologic disorders

Stroke