Lakisha Bryant, Medicare Insurance Broker

Answer: You must contact your local Social Security office and request a new one. You should receive it between 7 and 10 business days. Hope this helps!

Answer: I enjoy being able to help someone figure out which plan is best for them. There are a lot of agents out there, but I take pride in having integrity and truly having the clients best interest at heart. Our ethical duty is to always do what's best for the client.

Answer: Different health insurances offer different benefits when it comes to this. It's best to evaluate which plans offer this benefit and other benefits as well.

Answer: It depends on your age. Did you take Part A and delay Part B because you kept your health insurance on the job? Contact a local agent to help guide you in this process.

Answer: Yes you can. It depends on when you first became eligible for medicare. If it has been under a year when your Part B has become active, you can.

Answer: You can get dental and vision coverage under one plan with Medicare advantage. You can also get this coverage in a stand alone plan.

Answer: Just the fact that they are calling you. Medicare never calls you to enroll you in an advantage plan or a supplement.

Answer: Medicare will cover an ambulance ride if it's considered medically necessary. After your deductible is met, you normally pay cost share of services which is 20%.

Answer: Your friend most likely has a Medicare advantage plan. Most Medicare advantage plans are zero cost. You have a Medigap policy that has a premium. You will experience a rate increase on the policy anniversary date of every year you are enrolled in this plan.

Answer: You need to speak to a local agent to see if there are any special enrollment periods you can utilize to switch to something else. You can also contact CMS directly.

Answer: Prescription co-pays do not count towards your deductible. The only costs are for services such as co-pays for doctor visits and services.

Answer: Certain PPOs are necessary if you travel out of state. If the provider is out of network, you will pay more for services.

Answer: Make sure you have no time gaps in health or prescription coverage. Contact your local Social Security office and let them know when plan to retire.

Answer: You will be penalized if you do not have creditable prescription coverage and health insurance from an employer. Penalties are permanent.

Answer: You should review your plan at least once a year. Also, if you newly acquired medicaid in your state or extra help with your prescriptions, the plan you have may not offer all the benefits you are entitled to.

Answer: The benefits are you can contact that local agent and request an in person appointment. Virtual agents may not be able to accommodate this if you desire to go to a local office.

Answer: Medicare advantage plans are cost effective. You have all of your benefits in one plan with little or no plan premium. Medigap plans can become expensive over time because of premium, deductibles and yearly rate increases. Dental, vision and prescription coverage are added premiums.

Answer: You may contact the manufacturer for the specialty drug. You can also speak with the doctor who prescribed the medication to you to see if there are any programs to help pay for it. Also, check for any alternative medications.

Answer: Medigap plans have a premium that increases every year on the policy anniversary date. There are deductibles to meet as well as a prescription premium and prescription co-pays. It depends on if you can afford the medigap plan. Everyone's situation is different.

Answer: To get Medicare part b premium assistance, you would need to apply for medicaid in your state. Apply for the Medicare savings program.

Answer: You have a choice in delaying. I would suggest enrolling in Part A and delaying Part B. When you get ready to fully retire and drop your health insurance, notify your local Social Security office.