Lenora Sikkenga, Medicare Insurance Broker
Lenora Sikkenga
LES Healthsure
Medicare Broker Licensed in NV
Contact Details
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Location
Fallon, NV
About Me
Greetings! I'm Lenora, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Lenora Sikkenga
What do you like most about being a Medicare agent?
Answer: The fact that I can help seniors make an informed decision about their health insurance needs and to make sure they get the plan that is most financially suited for them
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: PPO plans give you access to more providers due to the fact that HMO plans require you to use the providers in the network or the cost of your care is higher. PPO ate also more flexible when it comes to traveling .
I use several prescription apps and digital therapeutics for my chronic conditions. Does Medicare provide any coverage for digital health tools in cases like mine?
Answer: As of January 2025, Medicare does have coverage for digital therapeutics and apps but for mental health only. As far as I have researched mental health conditions are the only ones covered. I would have to do more research.
I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: Beginning in 2025, the annual out-of-pocket spending cap for Part D enrollment will $2000. This includes deductibles and copays and co insurance but does not include premiums. So after the two thousand dollars has been met there is no other out of pocket expense
Are Medicare plans and requirements different for every state?
Answer: Actually , Medicare Advantage can vary from county to county on availability. Some rural counties have no Medicare advantage plans available at all, only med supp and plan D. As far as regular Medicare that is the same across the board because of CMS policies .
Isn't it time for Medicare to completely overhaul how it approaches senior care?
Answer: Medicare should have always provided dental, hearing aid etc for seniors . These are things seniors need. That's where the Medicare advantage plans come in. The reasoning behind Medicare advantage plans is that it takes the risk away from Medicare and puts it in the hands of insurance companies. Also the incentive behind the health club membership in the Medicare advantage plans is that they have to pay out less if their client base is healthier. Whether Medicare can provided these same services is questionable.
If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?
Answer: Yes. If you are disabled or have end stage renal disease, you can qualify for Medicare before the age of 65.