Kelly Anderson, Medicare Insurance Agent

Answer: Medicare can definitely be confusing and difficult to navigate! My advice would be to find a trusted, licensed agent who can work with you through the process to help guide you to options that fit your unique situation.

Answer: Sometimes, lower-premium Medicare plans can have higher out-of-pocket and pay-as-you-go costs, which can lead to this feeling if not carefully managed. Understanding your unique situation and selecting a plan based on your medical needs can prepare you for expenses you may face. Working with a licensed insurance agent can help you determine the plan that meets your needs most effectively.

Answer: Medicare Part B covers nutrition counseling if a doctor writes an order that the services are medically necessary, typically for conditions like diabetes. In addition, many Medicare Advantage plans offer coverage for nutrition counseling services.

Answer: The best way to protect yourself from Medicare-related scams is to treat your Medicare number like a credit card. Do not share with unexpected callers, or if you don’t feel comfortable with the situation you are in.

Answer: Yes, Medicare currently provides coverage for select FDA-approved digital and therapeutics. It is important to work with your providers and agent to make sure your devices will be covered.

Answer: Yes, your daughter can work with a licensed Medicare agent on your behalf, provided proper authorizations and documentation has been completed.

Answer: Every circumstance is different and working with a licensed Agent can find the best solutions for you. While many Medicare Advantage plans have $0 monthly premiums, Medigap plans often offer more freedom to see any doctor and more predictable costs - although requiring higher monthly premiums.

Answer: Original Medicare Part A and B does NOT cover medical alert systems. However, many Medicare Advantage plans provide coverage for these systems.

Answer: Seniors often face lifelong penalties due to missing their initial enrollment window when turning 65. Penalties occur due to not understanding the complex Medicare guidelines.

Answer: No. “Free” Medicare Advantage plans are a marketing tool. You must still pay your monthly Medicare Part B premium and plans often have copay's, deductible’s, and coinsurance for some services. However, some Medicare Advantage plans are available at no additional monthly premiums other than the Part B premium.

Answer: Yes! It is often recommended to visit with multiple agents to find one that you feel comfort working with. Since Agents or Brokers may only represent specific insurance companies, speaking with several, or specifically and independent agent who works with multiple carriers, gives you access to more options for you.

Answer: Moving to a rural area might limit your Medicare Advantage plan options due to less available plans to choose from, fewer local doctors, and less comprehensive benefits. There is a good chance you will need to select a new Medicare Advantage plan that is tied to your new locations geographic area.

Answer: Typically, no you cannot move from a Medicare Advantage plan to a a during the Annual Enrollment Period without answering health questions. Medigap policies usually requires medical underwriting, often requiring answering health questions.

Answer: Working with a licensed Medicare agent gives you direct access to expert knowledge in the complex Medicare system. Agents can work with you to find individualized solutions to your unique circumstances.