Joseph Mullen, Medicare Insurance Broker
Joseph Mullen
J. Mullen & Associates, LLC.
Medicare Broker Licensed in NY, CT, MD, PA, SC and TX
17+ Years of Experience
Contact Details
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Location
Albany, NY
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Phone
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Website
Joseph Can Help With:
About Me
Joseph Mullen serves as the President and Chief Executive Officer of J. Mullen & Associates, LLC. Joe has over 3 decades of insurance experience. Since 2008, Joe has dedicated his efforts to Medicare, helping clients understand and navigate the Medicare system. Joe received his MBA from The College of Saint Rose and holds a BS in Business Economics and Accounting from The State University of New York at Oneonta. He is a committed volunteer at local and regional food pantries and resides in the Capital District with his wife and three children.
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Q&A with Joseph Mullen
I'm a smoker trying to quit. What smoking cessation benefits does Medicare offer for someone in my situation?
Answer: Hello,
Thank you for reaching out. Medicare provides coverage for smoking cessation, including prescription medications and counseling services, through Medicare Part B and Part D or via a Medicare Advantage plan. You can get coverage for smoking cessation through Original Medicare (parts A and B) more specifically, through Medicare Part B, which is medical insurance. You can also get coverage under a Medicare Advantage (Part C) plan. Medicare considers services to help you quit smoking as preventive care. This means that in many cases, you don’t have to pay any out-of-pocket costs.
Please let me know if you have any additional questions or if I can be of further assistance.
Joe
Can I be denied for a Medicare Supplement plan?
Answer: In New York State, all Medicare beneficiaries are eligible for continuous open enrollment for Medigap ( supplemental) policies. This means insurance companies: Must sell you a Medigap ( supplemental) policy at any time, no matter your age or health status. Cannot deny you coverage or charge you more because of your health status.
Should I keep original Medicare or go with an Part C, Medicare Advantage plan? What is better?
Answer: Choosing between an original Medicare plan and a Medicare Advantage plan depends on your budget, care needs, desired benefits and preferred doctors. Medicare is the federal health insurance program designed for people over age 65, as well as those under 65 with qualifying disabilities. Medicare Part A (inpatient care) and Part B (outpatient care) are known as original Medicare. Medicare Advantage, or Medicare Part C, refers to plans offered by private insurance companies. These plans offer coverage comparable to original Medicare as well as some additional benefits, such as vision or dental coverage. I would need a little more information to advise on which option is best for you. Please contact me at your convenience.
What are Medicare’s coverage options for mental health apps or virtual therapy platforms for seniors with depression or anxiety?
Answer: Medicare part B covers outpatient mental health services that involve diagnosing and treating people with mental health conditions, like depression and anxiety. Services are usually provided in a doctor’s or other health care provider’s office, a hospital outpatient department or a community mental health center. Medicare Advantage plans also provide mental health services. Many of these plans offer telehealth visits that lets you connect with a licensed doctor or therapist by phone or video chat.
I've heard Medicare covers home health care, but what exactly does that include?
Answer: Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance)
cover eligible home health services as long as you need part-time or intermittent skilled services and you’re “homebound”. Covered home health services include medically necessary part-time or intermittent skilled nursing care.
Medicare does not pay for 24-hour-a-day care at your home, home meal delivery, homemaker services (like shopping and cleaning) unrelated to your care plan, custodial or personal care that helps you with daily living activities (like bathing, dressing, or using the bathroom), when this is the only care you need.
Can Medicare cover wearable medical devices like insulin pumps or seizure monitors for chronic conditions?
Answer: Yes, Medicare covers insulin pumps and monitors. The coverage includes blood glucose meters, test strips, lancets, continuous glucose monitors, and durable insulin pumps.
Medicare may cover seizure monitors if they are considered medically necessary for managing a chronic condition