Katie Hutchison, Medicare Insurance Broker

Answer: No you only get one yours or his, you would have to call and see which one you will be entitled to.

Answer: You should contact a local agent and review your current plan with other plans in the area to see what is the best fit for you.

Answer: Yes you can receive Medicare benefits if you have never worked or paid in to the system. You must be 65, a US citizen, or legal resident for 5 + years. You will have to pay a monthly premium for your part A. You can also qualify for premium-free part A through a spouse's work record, a qualifying disability or a specific medical condition.

Answer: IRMAA, is based on the previous second year, such as, for 2026 your tax bracket would be based on your 2024 taxes. It would affect your part B premium.

Single filling your max is 106,000, married filing joint your max is 212,000.

If you made more than the max amounts you would be subjected to pay higher part B premium.

Answer: IRMAA is based on the prior two years, such as if you are charged IRMAA it will be based on your 2024 income. Once your incomes comes down it will change. If your income was was based on selling a home, but you put that income back into another home then you can appear the action by filling out a form.

Answer: Yes they are, but most of those policies are geared to a specific chronic illness, such as heart disease, diabetes and other chronic illnesses. I would be happy to look at your policy and compare. There are also other policies that have more grocery benefits, but higher out of pocket cost.

Answer: I enjoy helping educate people in the Medicare world. Its very confusing and I can take the confusing out so people can have a better understanding about Medicare

Answer: Yes they are covered, the fee depends on what Advantage plan you have. If you have original Medicare with a supplement it would be covered, with out a supplement your cost would be 20%

Answer: It depends on the company you have your Part D with.

Yes some do, but the tier that they are on could very depending on insurance company, some companies may not cover it.

Answer: It depends on you situation, do you use it? you can switch to another company, you would have to ask an agent about the birthday rule in your area. If you have lots of medical problems then yes it could be worth it, but if you are very health and only go to the doctor once a year the nit may not be worth it.

Answer: You can go to Humana, go to the bottom, on the right side under Member Services, click on Complaints and Appeals. There you can file a complaint or a grievance about your situation. You can also call Customer Support and ask them why the charges are so high.

Answer: Having a agent in your corner will make the process not so scary, they can answer your questions, do research for you and make sure that you have the plan that will fit your life, cover all your prescriptions, and you can keep your Doctors.