LaShonda Smith, Medicare Insurance Agent

Answer: I dont have any misconsceptions. It is all about what is valueable to the member sometimes they cannot always see that but its ok

Answer: You can absolutely call the insurance provider directly, but they only have access to one plan. Not having access to multiple plans does not allow you the full advantage of picking out the best plan. Please contact me to go over all your options

Answer: Life insurance allows you to withdraw from the policy, covers your burial, or triggers if you are facing a life-threatening illness (if you put in a rider). Please contact me, and we can go over policies

Answer: She contacted me and we can research together. Honestly, it is always great just to call her current doctor and ask what plans he or she will accept

Answer: I like that you are researching innovative ways to improve your health. Rather, it is covered or not depends on the plan. Please contact me, and we can find out

Answer: I'm sure I can easily point you in the right direction, but I would need to know more information. Please get in touch with me. So I can help you resolve this :)

Answer: Certain ICD9 Codes are processed while doing blood test it would depend on the plan. Please get in touch with me. And we can go over it

Answer: Discount cards donot affect your medicare prescription drug plan at all. However, if your plan does not pay for your medication. I would suggest doing a plan review with me because it might be some plans that cover your medication without the discount cards. Please get in touch with me. I will be happy to help

Answer: It all depends on the plan within your network. If you contact me. We can research and find the perfect solution to this.

Answer: I never had to fight through an appeals process but I'm sure I could if needed. As a pharmacy tech I have seen alot of needed medication get denied then approved. The best thing is to research the guidelines to get these medications

Answer: Yes, Medicare does cover acupuncture, but some plans require a prior authorization for those services. Please get in touch with me. to go over your plan with you

Answer: I would have to review your plan to ensure it is not a HMO. Normally, PPO plans dont require a referral. Please get in touch with me.. I would be happy to do a plan review

Answer: A copay is a fixed, out-of-pocket fee you pay for a specific service, like a doctor's visit or prescription, while a deductible is the total amount you pay for covered medical services each year before your insurance plan starts to pay its share. Think of the deductible as a larger annual threshold, and the copay as a smaller, per-service fee you often pay along the way.

Answer: Palliative care and hospice care are similar, but there are some key differences. Both palliative care and hospice care are focused on the needs of the patient and their quality of life. Palliative care focuses on maintaining the highest quality of life while managing treatment and other needs. Hospice care specifically focuses on the period closest to death.

Knowing the specific differences between hospice and palliative care can help someone decide what level of care is best. If your health changes, the kind of care being received can be changed.

Please contact me. So we can look at some plans based on your needs

Answer: It depends on if you will be in the group plan after you retire or if you want Medicare. Please get in touch with me. and I can help you.

Answer: It depends on their questions. Please contact me. And I can answer some questions for you.

Answer: We have lots of knowledge that we are trained and skilled on. It's comparing a sink versus a fire hydrant. They both have the same product, but one has more. Contact me. And I will go over some plan details with you.

Answer: It really depends on what plans are available in your area. Please contact me, and we can go over.