Larry Plyler, Medicare Insurance Broker

Answer: Yes, it is a common problemwith Medicare Advantage plans. They all work within a network. Dentist, like medical providershave the option of joining a network or not.

Look on your carriers websit and search for providers.

Answer: When yo reach the annual out-of-pocket, you are through paying anything for your medications. The Catastropic Coverage ends alltogether.

Answer: Preventive screenings are covered at 100% since Medicare Part B is required to cover at no

cost to the patient. As long as it is filed as preventive, coverage is at no charge!

Answer: If you have a Medicare Advantagr plan you can only change during the Annual Enrollment Period, Oct15-Dec7.

If you have a Medicare Supplement you can change anytime but you have to answer medical questions!

Answer: Yes, but just make sure they are in your Medicare Advantage network, otherwise you may pay a lot more or maybe all of the charges. Most MA plans have networks of doctors and other medical facilities that provide care at in-network charges.

Answer: Yes, but only for chronic lower back pain. There is a maximum of 20 visits per year ! But only then if pain last for 12 weeks with no systemic causes.

Answer: Anyone who has been approved for Medicare Part A and Part B for disabilities. ESRD, or ALS conditions are what will qualify someone. Usually there is a 24 month waiting period for those who have received SSDI for 24 months after disability approval. ALS Is immediate

Answer: If you have a Medicare Advantage policy ot a Part D drug plan, you will have to apply for another policy in your new state. If you have a Medicare Supplement policy, you can keep that policy. Medicare Supplement policies follow you to other U.S. states

Answer: You have lost your "Guaranteed Issue " option. You will now have to answer medical questions if you wish to obtain a Medicare Supplement policy! Pre-existing conditions will apply and carriers have a right to not issue you a policy.

Answer: Yes, if they ask for another SEP within 60 days of the notice od disenrollment.

It is best to closely follow the CCV for submission !

Answer: You may have picked a PPO but that PPO is not in the network of your policy coverage.

If you pick a PPO that is in your network, you will receive the substantial discount.

Answer: There are (2) situations where Medicare will pay.

1) In an emergency

2) A foreign hospital is closer to your residence than the nearest U.S. hospital ,even if it is not an emergency

Answer: It all depends on a couple of things!

Are you on Medicare disability (do you have a red, white and blue Medicare card?)).

If so, you should already be enrolled in Medicare Part A and Par B.

If you do not have a Medicare card you you should receive your card at some point prior to turning 65 since you are drawing Social Security. Anyone who turns 65 and is not drawing Social Security will not receive their Medicare Card automatically. You must apply for it.

As part of our service, we work all of our potential clients through the process and then help in the decision making process of deciding between a Medicare Supplement or Medicare Advantage Plan. All of these services are at NO Cost to the client!

Answer: You can draw off of his depending on whose benefit is more. If he was drawing more than you, chances are you would want to draw of of his !!

Answer: Call an agent you can trust to guide you through the process. My Agency does just that. We explore all of the options and suggest the one that meets your needs.

Contact me.

Answer: Yes, any formulary drug will count toward the total out of pocket of $2,100 annually.

There is no gap. You meet the deductible, then enter the initial stage 2 where you pay 25% of the cost of the drug, then you enter stage 3 which is the catastrophic stage. At $2,100 out of your pocket you pay nothing for the rest of the year.

Answer: They have a low premium or even a $0 premium, but the out-of-pocket usually high, but the real issue is provider network. Medicare Supplements have no networl.

Answer: Contact and have all of the information you have on the subject or issue. Tell the first person you speak to exactly what your question is and ask if they can help. If not, then ask for the corect dept. or number you can call.

Answer: Anyone on Medicare who has a medical procedure receives this notice. it details the visit and usually what Medicare paid toward the visit.

Answer: Medicare agents are trained to provide thorough information and plans designed for reirees going on Medicare.

Answer: I think any type of Fraud is serious. Medicare fraud is an issue since it affects everyone on Medicare. That is theft of money that retirees depend on the solvency of funds that are designated for all Medicare receipients.