Ken Brzezinski, Medicare Insurance Agent

Answer: Most supplements increase their price every year as a result of the client getting older. The insurance companies notify the client the month before the increase.

Answer: When starting with Medicare avoid Medicare Advantage plans as they are good when you are young and healthy. When you have been on the plan for years and your health deteriorates, the

insurance Companies can block you from receiving the Care you need. They also have a Maximum out of pocket that comes into play and this could be as high as $8,000.00 per year.

Answer: Hearing Vision and Dental should have been included in Basic Medicare. Old people grow old faster when they can't hear or see. Teeth designed for a lifetime wear out in old people.

Answer: The biggest disadvantage of Medicare Advantage plans is that they limit the Doctors that you can see and they for the most part require primary care physician's authorization before seeing a specialist.

Answer: Medicare pays private companies to look after consumers medical needs. The private Companies usually include Drug Coverage. You cannot have a Medicare Part D Plan and a Medicare Advantage Plan. Consumers need to make sure that the medications that they are taking are covered in their Medicare Advantage Plan Formulary.

Answer: The major misconception that most people have about Medicare is that it covers all of your Medical expenses. Medicare covers 80% of your medical expenses and you have to cover the balance.

Answer: As long as a person has creditable insurance that meets or exceeds that offered by Medicare, there is no reason to join Medicare. Medicare requests that you consult with your employer to see how your plan works with Medicare.

Answer: Medicare Agents that are local will have a better understanding of the of the Medical services available to you, Which Doctors are covered and potentially whether or not your doctors are covered.

Answer: Medicare covers most preventive screenings for Cancer and depending on the type of screening it can be as often as every 24 months or more often if you are at high risk. Normally screening tests are covered from 24 to 48 months apart.

Answer: Medicare covers intensive outpatient treatment that includes Psychiatric care, counseling and therapy. These services can be provided several disciplines of Medical Practice.

Answer: To obtain dental and vision insurance, a person needs to sign up for a Medicare Advantage Plan. Medicare does not cover hearing, vision, and dental. If sign-up with basic Medicare and a Supplement, these policies will have to be purchased separately. I f you decide to go with a Medicare Supplement, A Plan D with Drug Coverage also needs to be purchased.

Answer: Medicare is a complicated subject for people to navigate, and I have spent years working to be fully knowledgeable.