Kathie Rossow, Medicare Insurance Broker
Kathie Rossow
Rossow & Assoc Independent Ins Services
Medicare Broker Licensed in AZ
14+ Years of Experience
Contact Details
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Location
Sun City, AZ
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Phone
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Website
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LinkedIn
Kathie Can Help With:
About Me
Greetings! My name is Kathie Rossow, I'm an Independent Medicare Insurance Broker here in Arizona.
Medicare is my area of expertise. I am committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, to share with you, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Kathie Rossow
My friend lives in a different city and has a much more detailed Medicare plan. Is their plan dependent on their location?
Answer: If you are talking about Medicare Advantage plans, yes they are different if it is a different County. All Medicare Advantage plans are County specific.
What are some ways patients can reduce medication costs while on Medicare?
Answer: You can always use Good Rx or Singular for discounted prices. However the amount you pay in this instance, will not go towards your $2,100 Rx max out of pocket
How well does Medicare support seniors who need assisted living, or does it fall short?
Answer: Medicare has never covered long-term assisted living.
What Medicare may cover is a short term skilled nursing care as long as you have a qualifying Hospital stay and meet their specific requirements.
If you are receiving that skilled nursing and have met those qualifying requirements, then medical services like the doctors and occupational services that you receive at the facility may be covered by Medicare.
as far as prescription drugs. If you were in skilled nursing, that should continue to be covered under your Medicare part D or Part B Medicare benefits or covered by your Medicare advantage plan or stand alone Rx plan.
Assisted living is costly. Many people will use retirement accounts or their own savings if they do not have a Long Term Care policy.
If a person qualifies for Medicaid, they may help cover some services for assisted living facilities, or long term care.
If a person is a veteran, they may possibly be eligible for VA benefits, which would then assist with the cost.
If you had purchased a long-term care insurance policy, that may also help with assisted living expense
Why, when you turn 78, are you no longer able to get a CT scan?
Answer: Medicare has requirements for getting a CT scan:
1--a Medicare-approved provider must be who orders it
2-it must be medically necessary
3-Medicare has coverage criteria for the specific conditions that must be followed
There are certain preventive scans, like annual lung cancer screening, that stop being covered at age 77.
However Medicare will pay for a CT scan after age 78, if it is medically necessary & the other 2 notations above.
My Medicare Advantage plan denied coverage for a specialist I need to see. What are my options now?
Answer: Many plans allow you to schedule your own specialist visit without a referral. This can be a good thing, but it does throw the responsibility to check and be sure the Specialist is in the Network of the plan you are on. If he/she is not, they will not pay for the visit.
If this is not the case, if the specialist IS in the network of the plan you are on, then you can file an appeal with your plan.
Are there any changes I should expect for Medicare in 2026?
Answer: Are there any changes you should expect for Medicare In 2026? Yes, there are always changes in the Medicare Advantage Plans aka Part C, or if you are on a Stand Alone Rx plan, they have changes also. So without knowing the specifics of what plan you are on, I can not say for certain. If you are on a Medicare Advantage Plan, or a Stand Alone Rx Plan, you should receive an ANOC (Annual Notice of Change) from your insurance carrier. It will be a small booklet, or just a few pages, that will show you side by side, your 2025 benefits with any changes for 2026.
If I need hospice care in the future, can my Medicare plan cover it?
Answer: You are eligible for the hospice benefit when your doctor & the hospice medical director have given you a terminal prognosis certifying that you are terminally ill & have 6 months or less to live, if your illness runs its normal course.
Original Medicare will pay your Part A or B hospice services that are related to your terminal prognosis.
What is the trap of Medicare Advantage plans?
Answer: Not quite sure what you mean by a "trap".
You do need to use Dr's & facilities that are in the Network of the plan.
Something within the plan will change every year, may be something to a greater benefit, or sometimes could be a loss of a benefit.