Kim Cotten, Medicare Insurance Broker

Answer: Special Needs Plans are a type of Medicare Advantage plan designed for people with specific health conditions, situations, or needs. They tailor coverage to meet those needs, often including extra services that a standard plan doesn’t provide.

Answer: If you’re considering a Medicare Advantage plan, and have questions about the benefits, give me a call! I can walk you through the plan details, explain what’s covered, and help make sure it’s the right fit for your needs. I’ll answer your questions and make it simple to understand so you can make the best choice for your health and budget.

Answer: You should know the differences because choosing the wrong plan for your needs can cost you time, money, and peace of mind. Understanding the differences helps you choose the plan that matches your lifestyle, health needs, and budget. It ensures you aren’t stuck with unexpected bills or limited access when you need care the most.

Answer: Absolutely! I’m proudly licensed in over 40 states, which allows me to help clients no matter where they live in the U.S. Whether you’re looking for guidance on Medicare Advantage, Part D, or Medigap plans, I bring personalized support and expertise to every client, nationwide. Distance doesn’t limit the care and attention I provide. I make it simple and convenient to get the coverage you need.

Answer: Medicare does cover cataract surgery with a standard monofocal intraocular lens (IOL) that corrects vision at one distance (usually distance vision). Medicare also covers the associated facility and surgeon costs, as long as it’s medically necessary. Monovision IOLs (1 eye for distance, 1 for near) or multifocal/toric lenses are generally considered “premium” lenses. Medicare does not cover the extra cost for these lenses because they’re seen as optional or elective upgrades. You would pay the difference out-of-pocket, which aligns with the $2,500 per eye your eye center mentioned.

Answer: Original Medicare lets you see any doctor or specialist in the U.S. who accepts Medicare, no referrals are required to see a specialists, and you can get care while traveling anywhere in the country. Pairing Original Medicare with a Medigap plan can make this flexibility even stronger by covering many out-of-pocket costs.

Answer: Medicare Part B (Medical Insurance) does cover outpatient urgent-care visits — that includes doctor’s office visits for sudden illness or non-emergency injury, lab tests, X-rays, minor procedures, etc. Medicare Part A (Hospital Insurance) generally does not cover urgent-care center visits, because Part A covers inpatient/hospital-related care, not outpatient/clinic-type visits.

Answer: Yes, you can apply to change your Medigap/Medicare supplement at any time however you must be aware that after your Medigap Open Enrollment period of 6 months ends, Insurance companies can ask health questions (medical underwriting)

Answer: Medicare Advantage plans can have a Limited Choice of Providers, Prior Authorizations, and Hidden Out-of-pocket costs.

Answer: There is Medicare extra Help (LIS). This program assists individuals with limited income and resources in paying for Medicare Part D Prescription drug coverage.

Answer: Medicare Part B covers preventive screenings like mammograms quite comprehensively, often at no cost to the beneficiary. Screening/Preventative Mammograms have no cost but Diagnostic Mammograms you’ll typically pay 20% of the Medicare-approved amount after your Part B deductible is met.

Answer: Yes, in most cases, you still have to pay for Medicare even if you live part of the year abroad and don’t use it, especially if you want to avoid penalties or gaps in coverage later.

Answer: One of the most frustrating misconceptions I often have to clear up is the belief that Medicare is completely free and covers everything. Many clients are surprised to learn that Medicare has premiums, deductibles, copays, and that it doesn’t cover everything like dental, vision, hearing, or long-term care. Medicare plans are not a one size fits all and when i meet with my clients, i do a Client Needs Assessment to find the right plan for YOU.

Answer: I LOVE being a Medicare Agent. Navigating Medicare can be confusing and overwhelming, especially for those transitioning into retirement or dealing with health challenges. I take pride in being able to guide my clients to a plan that truly meets their needs. Every conversation is a chance to build a relationship, offer peace of mind, and ensure someone feels more confident about their healthcare decisions. I make transitioning into Medicare Fun and Stress free!