Kevin Dover, Medicare Insurance Broker

Answer: Yes, if your doctors notices memory issues, Medicare will cover a comprehensive cognitive evaluation.

Answer: That is a broad question. I have to assume you are asking about behavioral health? No referral is needed for standard outpatient therapy. Some hospital based/intensive programs ask for a physician to give input on the medical necessity.

Answer: Yes, Medicare Part D covers most oral and self-administered medications for people dealing with depression and anxiety.

Answer: Yes, pulmonary rehabilitation is covered for people with moderate to severe COPD and other lung conditions when ordered by a doctor.

Answer: Yes, chemotherapy and any associated supplies including radiation is covered by Medicare Part B. Medicare will 80% with the patient paying 20%. Medigap plans usually reduce this to $0. Medicare Advantage plans typically charges a fixed copay of 20%. This is in my experience is the quickest way to meet the Advantage plans Maximum Out of Pocket.

Answer: Yes, Medicare covers stress tests, EKG's, echocardiograms and anything that is "Medically Necessary".

Answer: Heart medications/prescriptions are covered by Part D and picked up at your chosen pharmacy. Pacemakers, Defibrillators, Stents etc. are covered by Medicare Part B.

Answer: Yes, Medicare pays for all of the above. Medicare beneficiary with a Medigap plan G typically pays just the Part B annual deductible ($288). After Medicare pays 80%, the Plan G pays the balance. Medicare Advantage plan range from $200-$700 for the surgery.

Answer: No, Medicare does not pay for an aide/nurse to remain in the home for safety or supervision. Medicare does pay for Hospice - end-stage dementia; typically where life expectancy is less than 6 months.

Answer: Yes, Inhalers are covered under Medicare Part D. Nebulizers are considered Durable Medical Equipment (DME) and covered under Part B.

Answer: Yes, they are. Medicare pays 80% of the approved amount. Patient pays 20% coinsurance unless they have Medigap/Supplement in which case it usually reduces to $0. A Medicare Advantage plan varies by plan, but typically $0-$40.

Answer: Colorectal, Breast, Cervical/Vaginal, Prostate, Lung and Skin. All are 100% paid by Medicare. They each have their own screening intervals.

Answer: Medicare is confusing. It has dozens of moving parts, deadlines, rules, penalties and plan differences. A good agent breaks everything down in plain English so you feel confident, not overwhelmed. And most importantly is doesn't cost you anything. Plan costs are the same whether you use an independent agent or call directly to your chosen Insurance Company.