Kenneth Roberts, Medicare Insurance Broker
Kenneth Roberts
Medicare Broker Licensed in PA
9+ Years of Experience
Contact Details
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Location
Pittsburgh, PA
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Phone
About Me
Hello, I'm Kenneth, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Kenneth Roberts
Answer:
One of the biggest misconceptions about Medicare — and the one that causes the most frustration — is this:
“Medicare covers everything.”
It sounds comforting, but it’s completely false. And believing it sets people up for surprise bills, denied claims, and confusion.
Answer:
IRMAA (Income‑Related Monthly Adjustment Amount) is an extra charge added to your:
Medicare Part B premium
Medicare Part D premium
It applies only if your income is above certain IRS thresholds.
It’s not a penalty — it’s just Medicare charging higher-income beneficiaries more. Look at your tax return from two years ago
Medicare uses your IRS tax return from two years prior.
For example:
Your 2026 Medicare premiums are based on your 2024 tax return.
Your 2025 premiums were based on your 2023 return.
If your MAGI (Modified Adjusted Gross Income) was above the IRMAA thresholds, you’ll pay IRMAA.
Answer:
your kids and your friends are each focusing on different priorities:
Kids usually focus on the perks
(dental, vision, gym memberships, low premiums)
Friends usually focus on the reality
(doctor access, fewer restrictions, predictable costs)
Neither group is wrong — they’re just looking at Medicare from different angles.
But only you know which angle matters most.
Answer:
You didn’t do anything wrong.
You were shown the “headline benefit” and not the reality.
This happens to thousands of people every year. Change agents.
Answer:
Higher‑premium plans often include:
Lower copays
Lower coinsurance
Lower deductibles
Better drug coverage
Fewer surprise bills
Larger provider networks
More predictable costs
You’re essentially paying more upfront to avoid getting hit with unpredictable charges later.
For people who use healthcare regularly, this often results in lower total annual spending.
Answer: Original Medicare + Part D is often much better for frequent travelers because it gives you nationwide freedom, predictable coverage, and zero network restrictions — something Medicare Advantage simply cannot match.
Answer: Yes and no. Medicare’s core program (Parts A & B) is the same in every state, but the plans you can add to Medicare — Medicare Advantage, Part D, and Medigap — vary significantly by state and even by county.
Answer:
Medicare Part D cost‑saving programs
Exceptions and appeals
Manufacturer assistance programs
Nonprofit foundations
Plan optimization during Annual Enrollment
Answer: Cholesterol‑lowering injections can be covered under Medicare Part B or Part D, depending on which drug it is and how it’s administered. The distinction matters , because your costs can be very different under each part.
Answer: This doesn't sound correct. A doctor or medical provider cannot simply bill you $5,000 years later without showing Medicare’s payments or denials. State Health Insurance Assistance Program can help.
Answer: You should work with a Medicare agent because they remove confusion, prevent costly mistakes, and help you get the best coverage for your specific health needs at no cost to you.
Answer: Switching can be done in October from the 15th to Dec 7th. Unless you meet the special enrollment requirement.