John Hose, Medicare Insurance Broker

Answer: Switching from a Medicare Supplement to a Medicare Advantage Plan is only available during the Annual Enrollment Period, which ends at midnighton December 7th.

You should speak to an advisor who will confirm that your doctors are in the network and that cover your prescriptions.

If you need help and advice, please contact me.

Thanks,

John M. Hose

Answer: Good question.

You should have your wife check with the HR department and ask if you, as a dependent, can continue the coverage without purchasing Part B of Medicare. If so, you can avoid starting Part B and any penalty until she retires, at which time you would have a 63-day period to stare Part B.

I recommend that when it gets close to when her group benefits will expire, i.e. her retirement date is set, go to SSA.gov and set up a "My Account" where you can apply for the Part B coverage and select a date that begins when her group coverage ends.

For more information, you can contact me.

Hope this helps.

John M. Hose

Answer: You will continue to receive the highest amount, but not both. I hope this helps.

For additional information, please contact me.

Answer: Should you choose a Medicare Advantage Plan, you can change to a Medicare Supplement plan during the first 12 months from the time that you originally purchased the MA plan. Also, if you move from the service area, i.e., out of state, or the plan terminates your plan for the next calendar year, you can go to a Medicare Supplement plan with Guaranteed Enrollment.

For more information, please contact me.

Thanks,

John M. Hose

Answer: Individuals under 65 who have been on Social Security Disability Insurance (SSDI) coverage for 23 consecutive months qualify for Medicare Parts A&B after the 24th month.

Answer: The premium is based on your taxable income from 2 years prior. When your income declines the premium will be reduced. You should consider talking with your planner, if you have one, who may be able to provide advice on how to bring your taxable income down.

Answer: Helping people solve their questions and providing on going service for their senior insurance needs.

Answer: When I do an educational seminar on Medicare, I keep it to basics and ask the attendees to complete a response sheet, which, if they desire, they can request an appointment for individual needs. If the attendee doesn’t request an appointment, I never call or email them. I hate the timeshare experience as well.

If you need answers to your questions, please contact me.

Thanks

John Hose

Answer: There are different types of Medicare plans with different pricing. In some areas, Medicare Advantage plans have no premiums and have copayments for certain services. The Medigap plans are priced higher but they typically pay for all covered benefits after an annual deductible is met.

It’s a good, responsible thing to periodically check to see if you may be able to save money by shopping.

I would be happy to help you find the plan that will make you feel comfortable.

Please contact me for more information.

Thanks,

John Hose

Answer: The best way to determine that is to find someone like me who can help you research the best options for you.

Please contact me for more information.

Thanks,

John Hose

Answer: Not Medicare, however, there are some plans for those who are eligible for both Medicare and Medicaid that will help pay for groceries.

For more information, please contact me.

Thanks,

John Hose

Answer: Life insurance is a unique product that can be very helpful in retirement planning. If you have a plan that has a large cash value, you can get funds tax-free to maintain a predictable income. If you have a large estate, it can be a great way to transfer wealth.

The primary benefit is, of course, to provide a good way to eliminate debts and enhance the financial stability for your family in the event of an unexpected death.

For more information, please contact me.

Thanks,

John Hose

Answer: Yes, there are other factors as well, including an increased longevity rate for seniors.

Unfortunately, it is a political issue that seems like the congress continues to be kicked down the road.

If you want more information, please contact me.

Thanks,

John Hose

Answer: Don’t be afraid to call a representative for advice. I suggest that you contact someone who is local and knowledgeable with a good reputation for helping.

I would be happy to talk with you. You can contact me.

Thanks

John Hose

Answer: Unfortunately, some people miss the deadline for enrollment. Did you enroll in original Medicare Parts A&B? If so, you may have some options.

Please contact me.

I would be happy to help you.

Thanks

John Hose

Answer: Medicare does not cover hearing aids; however, there is coverage for them in a Medicare Advantage plan or an individual plan if you choose a Medicare Supplement (Medigap).

Please contact me.

Thanks

John Hose

Answer: These medical conditions are covered under Medicare Part B.

As a Medicare beneficiary myself, I can assure you that you will haVE THIS COVERED.