Kathy Olejniczak, Medicare Insurance Agent

Answer: Breztri is a prescription drug - Part D which original Medicare does not cover. If you are on an advantage plan or a stand alone prescription drug plan, you will pay your deductible on this medication and copays vary from plan to plan- that's why having an agent is VERY important!!

Answer: Yes- you have special enrollment and the most important part is to get your A and B.

It's important to note that if you are over 65 you will need a form from your employer that confirms you had coverage from age 65.

An experienced agent can guide you through the process!!!

Answer: Yes a a Medicare advantage plan covers all meds procedures that original Medicare covers.

This is by law and statute- they can offer additional benefits and coverage but not less

Answer: Honestly you should alley have Medicare if you have been on disability I've r 2 years. You will get your card 3 months before your birthday month- make sure they have your correct address- please make sure you work with an agent to help you choose a plan- as a dist person your medical needs are more complicated

Answer: It does cover these tests

Whether you are on original Medicare or an advantage plan these tests are covered

Answer: Well we don't know your age - and honestly

It's not a Medicare agent question

It's a question for our elected representatives

Hopefully Medicare will be around for a long time

Answer: You need to meet with an agent to look at your specific personal situation- location, doctors, medications and plans available in your area!!!

Advantage plans are like the works plans you have always bees on- managed by private insurance companies

Each situation is different

Answer: Most likely no- if you have been on Advantage awhile definitely no- supplement ms have health underwriting questions at this point. If your are first eligible for Medicare and with 12 month of your A and B dates, you may have guaranteed issue rights

Answer: You may encounter non covered drugs either way- that's why it's important to to look up all you medications

Answer: This is not a Medicare Advantage rule - it's a Medicare rule.

The "3 midnight rule" is a Medicare requirement that a patient must have a 3-consecutive-day inpatient hospital stay before their care in a Skilled Nursing Facility (SNF) is covered by Medicare Part A on your advantage plan

Answer: The only real negatives of and HMO is that You can only use in network providers and in most cases you need referrals to specialists.

Answer: Medicare does not cover medications. You need a Medicare drug plan or an Advantage plan to cover this medication

Answer: Deductibles are amount ms you pay before benefits start. A copay is a specific amount paid for a specific service

Answer: These are part of your complete investment plan and question is best answered by a financial planner- NOT an insurance agent.

We may be licensed to sell annuities- but other investments are part of the equation

Be informed from the right type of professional!!

Answer: Original Medicare with a supplement doesn't cover these items

Most Advantage Plans do.

Call me for information in your area

Answer: People who say negatives about Advantage plans have frequently never been on one.

There are articles on claim denial and those are due to errors from medical providers. The same arty said 97% of corrected claims are paid. Always ask for VERY spect WHY don't you like the plan.

Answer: Mi will bet you signed up with the company direct and not an agent. It's more likely that an agent will go over ALL details whether you ask about them or not. As an agent - I go over ALL basics of plan. Contact me

Answer: It depends on where you live. In NY yes in Florida No. I am happy to review this with you.

Please contact me