Laurie Baumgartner, Medicare Insurance Agent
Laurie Baumgartner
LB Ins - Laurie Baumgartner Ins
Medicare Agent Licensed in SD
11+ Years of Experience
Contact Details
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Location
Aberdeen, SD
About Me
Hello! I'm Laurie, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Laurie Baumgartner
Can I drop Medicare Part B if I go back to work and get employer health coverage, then re-enroll later without a penalty?
Answer: Yes, you may be able to drip Medicare Part B if you return to work. but, be sure that the Employer has "creditable coverage" - 20 or more employees, and confirm that the employer coverage meets Medicare's requirements.
Cobra, retiree coverage, and the Marketplace plans do not qualify as a "Special Enrollment period" to re-enroll in Part B without a late enrollment penalty.
in order to drop Part B coverage, you will need to contact the Social Security Administration.
How do I handle billing issues if something is wrong on a Medicare statement?
Answer: 1 Contact the healthcare provider's billing department for clarification.
2 You can also call Medicare to report the issue and seek assistance.
3 File an appeal if you feel the billing is incorrect.
Does Medicare cover Alzheimer's disease treatment?
Answer: Yes, Medicare will cover Part A - inpatient hospital stays,
Medicare Part B will cover outpatient Dr appointments and diagnostic testing.
Medicare D - Drug coverage will offer prescription drugs used to manage the symptoms.
Part B services will be subjected to a deductible and costs for medications will vary.
However, Medicare will not cover Long-term care in nursing home or assisted living facilities.
How to sign up for A & B?
Answer: Visit Medicare.gov website and Register. Or call the Medicare Office at 1-800-772-1213. Or, by visiting a local Medicare office.
Does Medicare cover shoulder replacement surgery?
Answer: Yes, if you are receiving care from a provider who accepts Original Medicare.
You may have a deductible or possible copayment to pay.
How do I apply for Medicare if I qualify because of a disability?
Answer: Once you meet the criteria for Social Security Disability benefits - you are automatically enrolled in Parts A anB.
Once the required time period has passed, you will receive your Medicare card in the mail.
Does Medicare cover MRI scans?
Answer: Yes! If your provider accepts Medicare they will cover MRIs. And depending on which type of plan you have, you may have to pay towards a yearly deductible, or what they call a copay of some of the plans. All depending on what type of coverage you have in place,
How do I find a trustworthy Medicare agent in my area?
Answer: word of mouth is usually the best. Visit with family and friends.
or finding an agent on Medicare Agents Hub
What are the reasons why I should work with a Medicare agent?
Answer: We will be able to better predict your out of the pocket costs.
and give you the Pros and Cons of the numerous plans available to you.
What tier is Repatha on Medicare Part D formularies?
Answer: Of course, there are a number of variables - it all depends on which Medicare prescription drug plan you have in place, and which pharmacy you use, whether it is in-network or a preferred pharmacy, and whether or not you have to pay a deductible first.
If you are on a low costing premium pharmacy plan( exmp. $5.30) -- the monthly medication could cost you a higher amount $ for the first month. approximately $700.00, then $200.00 monthly after that....
or if you are on a Higher premium pharmacy plan --(exmp. $103.00) the monthly medication for the first month may cost you $282.00 and $92 monthly thereafter.
REGARDLESS, once you hit an out of the pocket max amount of $2100.00 (2026) - you will pay nothing after that.
the most that it will cost you out of pocket in a years time is $2100. (for all of your meds).