Larry Pereiro, Medicare Insurance Agent

Answer: We educate seniors in regards to all their options for Medicare benefits. Accomplish those out any cost or obligations and provide this assistance without any predetermined carrier focus.

Answer: With the PPO you have more flexibility to use utilize providers that are not “in network”, however, there is addition co-pays or co-insurance. With the HMO you must receive services from in network providers and you more attention to management of your health needs.

Answer: There is no affect, Medicare is guaranteed issue coverage do long as you have original Medicare Parts A and B and live in the area you are seeking coverage in.

Answer: Yes it is, however some PPO plans provide dental coverage both in and out of network with the same costs associated with the service.

Answer: Many of the plans available have "travel benefits" for in network providers when you are staying in your alternative location. We can always find a plan that meets this need for you.

Answer: Yes it does, travelling worldwide and dependent on which carrier you are enrolled either and the type of product (HMO or PPO)

Answer: It will not make a negative impact but may require a change of carrier to accommodate your choice of providers.

Answer: Contact your state health department or the manufacturers to receive the potential of discounted pricing

Answer: There are 18 different preventative procedures, the most common is bone density testing, colonoscopy and mammogram.

Answer: Yes they do, they get vitamins, supplements, pain relievers such as Tylenol and much more, toothpaste, toothbrush, healthy food items, i continence supplies, etc.

Answer: Most MA and MAPD Plans do cover these opportunities. There basic services provided at no cost and then there are also comprehensive services for minimal cost or cost savings. Most plans also provide optional supplemental plans if more extensive coverage is needed, however, at additional cost.

Answer: It doesn’t, but is defined by the type of service, who the provider is and the extent of the needed services sought. Each carrier defines these according to their policy and procedures.

Answer: This the question that truly relates to “universal care”. Its impact would depend on whether there is cost sharing and at what level. From there, many of the benefits of Medicare could be provided for the younger generation with minimal premium cost plans without tapping into social security funds.

Answer: Every agent is trained to review the consumer’s physician as it relates to in network coverage. This prevents this type of issue and the agent is accountable to both the carrier and CMS when this issue is encountered.

Answer: No, in fact it can, in actuality work to the positive because the more enrollees the wider the cost of cover us spread so the MER (medical expense ratio) could be reduced.

Answer: Yes, most carriers have programs that provide financial reward for engaging in healthy activities and habits. This includes but is not limited to routine annual check ups and so forth.

Answer: I believe Medicare could improve their engagement with the Senior Market by first of all making sure that Social Security Offices refrain from giving advise about Medicare other than "You should talk to a licensed and certified Medicare agent in your area about the options you have.

Then they could also regulate the call centers to insure their compliance with non-pressured, non-biased presentations that simply allow the educational process to allow the senior market to make an informed decision about their Medicare Options.