Leslie Kaz, Medicare Insurance Broker
Leslie Kaz
Syndicated Insurance Agency LLC
Medicare Broker Licensed in CA, AL, AZ, FL, GA, IL, MI, NM, OR and TX
31+ Years of Experience
Contact Details
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Location
Sherman Oaks, CA
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Phone
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Website
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About Me
An experienced Insurance Professional assisting Californians since 1998 from Chicago, IL. We are a multi-line and multi-state agency offering various insurance products in the marketplace including personal and business solutions with a strong focus on Medicare Plans.
Our primary services include Commercial Insurance, Work Comp Insurance, Group Health and Life Insurance. We also offer as a Field Marketing Organization (FMO) Medicare Supplement and Medicare Advantage plans to Seniors and people with Disabilities.
Specialties: Life Insurance, Medicare Plans and Group Health Insurance.
Love to work in collaboration with your advisors such as Healthcare Providers, CPA's, Estate Planning Attorneys and Business Attorneys to help develop a long term plan of protection and growth. Our goal is to be a resource for your family and/or business.
Our office is conveniently located in Sherman Oaks in the San Fernando Valley, Los Angeles, California. Call (747) 231-5855 for a quote. Yes, we are hiring licensed independent agents.
Q&A with Leslie Kaz
What do you like most about being a Medicare agent?
Answer: What I like most about being a Medicare agent is the ability to make a confusing topic simple to understand and even simpler to implement.
Shouldn't Medicare expand to cover more alternative treatments that actually help seniors?
Answer: This is a fantastic idea. As research progresses and the results of different modalities become clear, I would be very interested to see this happen.
Currently, insurance companies are generally willing to cover only the "standards of care," which are guidelines developed by the AMA to ensure the public is protected from unproven or ineffective treatments. While there is considerable anecdotal evidence supporting alternative treatments, it is crucial to scientifically validate those that demonstrate positive outcomes and meet rigorous safety standards to safeguard public health.
I hope the new HHS director will approve funding for research into alternative therapies that show promise of beneficial outcomes for everyone. Fingers crossed!
Is it true that Medicare pays for dental implants?
Answer: Medicare generally does not cover dental implants or most dental care, as it considers them non-medically necessary. Original Medicare (Parts A and B) typically only covers dental procedures if they are integral to a covered medical procedure, like jaw reconstruction after an accident. However, some Medicare Advantage (Part C) plans may offer limited dental coverage, including implants, but this varies by plan and often comes with restrictions or additional costs.
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: Medicare’s coverage for prescription apps and digital therapeutics (DTx) is limited but evolving, particularly for chronic conditions. Original Medicare (Parts A and B) typically does not cover DTx, as these tools often fall outside defined benefit categories. However, recent developments show some progress; so the answer would depend on what your currently using.
Isn't it time for Medicare to completely overhaul how it approaches senior care?
Answer: Yes, it’s time for an overhaul. Medicare’s core structure doesn’t match today’s senior care needs. A system that prioritizes prevention, tech, and comprehensive benefits would better serve an aging, tech-savvy population. But the scale of change required—financially, politically, administratively—means it’ll likely come in fits and starts, not a grand redesign. For now, your best bet is leveraging Advantage plans or advocating for specific reforms like DTx coverage.
I am on disability insurance Medicare now I will be 65 in October do I have to to sign up for Medicare again?
Answer: Since you’re already on Medicare due to disability insurance and will turn 65 in October 2025, you do not need to sign up for Medicare again. When you turn 65, your Medicare coverage will continue seamlessly, but your eligibility reason shifts from disability to age. This happens automatically—no need to reapply.
If you had to pick just one, what's the worst Medicare-related decision someone can make?
Answer: The worst Medicare-related decision is not enrolling in Medicare Part B when first eligible, without having creditable coverage from an employer or spouse’s plan. This can lead to lifelong premium penalties (10% per year delayed) and gaps in coverage, leaving you vulnerable to high medical costs. Always confirm eligibility and coverage options with Medicare or a trusted advisor to avoid this costly mistake.
What happens to my Medicare coverage if I enter a skilled nursing facility for rehab but then need long-term care?
Answer: When you enter a skilled nursing facility (SNF) for rehab, Medicare Part A typically covers up to 100 days per benefit period, provided you meet eligibility requirements (e.g., a qualifying 3-day hospital stay, skilled care needs, and admission within 30 days of hospital discharge). Here’s how it breaks down:
Days 1–20: Medicare covers the full cost of SNF care (assuming the facility is Medicare-certified and care is medically necessary).
Days 21–100: You pay a daily coinsurance ($204 in 2025), and Medicare covers the rest. Supplemental insurance (like Medigap) may cover this coinsurance.
After 100 days: Medicare Part A stops covering SNF care, regardless of whether you still need rehab or have transitioned to long-term care.
Can I switch from a Medicare Advantage plan to Original Medicare with a Medigap plan mid-year if I’m diagnosed with a serious illness?
Answer: Yes, you can switch from a Medicare Advantage (MA) plan to Original Medicare mid-year if diagnosed with a serious illness, and you may be able to enroll in a Medigap plan, but there are specific rules and considerations:
How can I use Medicare to cover occupational therapy for arthritis or mobility issues, and what are the limits?
Answer: Medicare can cover occupational therapy (OT) for arthritis or mobility issues, but coverage depends on the type of Medicare plan you have, the setting of the therapy, and specific requirements.