Kim White, Medicare Insurance Broker

Answer: As early as 3 months before your birth month. Need to take into consideration if you are working with benefits and if you are going to continue to work or not.

Answer: Having an agent close by means you can have those in person meetings. However from personal experience I will say that even with clients who are not close enough for in person meetings, good trusting relationships can still be built. Building trust is most important.

Answer: If you move to a rural area, fewer Medicare Advantage plans might be offered. This could also mean a smaller network of health care providers. Ask your broker to research your options prior to your move.

Answer: Typically an agent might be captive and only offer plans with one specific company. A broker contracts with many different companies to give you more options and the right fit for you.

Answer: It all depends on what type of plan you have. For supplements you might have to meet a $283 deductible. For advantage plans your co-pays could be $10-$40 per visit depending on the plan.

Answer: Unfortunately, Medicare does not pay for medical alert systems. However there are some advantage plans that do cover it. It is better though to make your plan covers your medical cost and prescription costs over the extra benefits.

Answer: Typically that answer is yes. It becomes necessary for those repeated tests to confirm diagnosis, treatment and even follow up confirmation of successful treatment.

Answer: Sit down with an agent to go over these costs. An agent can compare the costs between having a supplement vs the cost of an advantage plan. There are several factors that go into this choice. The best advice I can give is for you to speak with a licensed agent like myself if you don’t already have one.

Answer: I would definitely apply for assistance through the Family of social services administration. Otherwise known as Medicaid, they could possibly assist with premiums and copays.

Answer: Yes, unless you needed to go through underwriting and didn’t answer the questions correctly. If you enrolled during a guaranteed issue, your plan G will pay.

Answer: Seniors often misunderstand the difference between, skilled nursing, nursing home and long term care. Medicare only pays for skilled nursing.

Answer: Not necessarily. High co-pays come with a hospital stay, skilled nursing facility, chemotherapy, or dialysis. Did you get a hospital indemnity plan to help you cover those costs with your advantage plan? If you need a review of your advantage plan, I would be happy to help you and see if we need to make a change.

Answer: If you only have original Medicare, you will pay the first $283 in 2026 and then 20% after Medicare pays. If you have a supplement with your Medicare, you will pay your $283 deductible. Then your cost depends on which plane you have. If you have an advantage plan, you will have a co-pay with each visit and that depends on which plane you have, summer as low as $10 per visit.

Answer: If you cannot afford your Medicare premiums, you definitely want to talk to an agent. An insurance agent that specializes in Medicare can help explain your options..

Answer: Right now is the annual enrollment period to get an Advantage plan or prescription drug plan. You could get a supplement if you can pass underwriting for a monthly fee on top of your Part B premium. If you have more questions, please do not hesitate to reach out. Contact me.

Answer: I never charge for a consultation fee during an appointment. I get paid when I write your insurance plan.