Lloyd Griffin, Medicare Insurance Agent

Answer: The Simple answer is to speak with a medicare agent like myself who takes you through a detailed client assessment and based on wants ,needs ,prior utilization , even family history. Who can help you address all of thes question with a outcome thats personalized and relative to your goals.

Answer: As Medicare Advantage plans must cover what original medicare covers like mammograms and screenings,Radiation and or chemotherapy . Its worth reviewing the Evidence of coverage for the plan. I would also highly suggest supplemental benefits that can make care easier and more managable.

Answer: Each company's plans (MAPD & PDP) in a given area have a Star Rating, which can also help guide beneficiaries in selecting plans and making informed choices.

Some Key Categories are: Member Experience with a particular health plan, Customer Service, and Staying Healthy. When reviewing a plan, ask for the star rating and what the plan was rated on.

Answer: Consult your broker of record for your plan as the answer can encompass Definition of a Benefit Period-Continuous Hospital Stay-60 Day Rule-Coverage Limits. Its better to understand how your Hospital Day's work in a given plan year according to the plan your on.

Answer: The answer is not just Black & White there are many things to consider just a few are listed here in no specific order:

Cost Considerations

Inpatient or Outpatient

Medically necessary

Facility Medicare Approved

Cost After the Surgery

A careful assessment of the whole process is needed.

Answer: Your not missing anything as Medicare can cause many people to have a myriad of questions. A Medicare Advantage Plan or Medigap can help reduce cost yet Part B which covers care like specialist visits after meeting the deductible your still responsible for 20% of the medicare related cost.

Answer: It's not about a penalty yet under the right conditions for switching. Annual open enrollment or a Special Enrollment Period and Medicare Advantage Open Enrollment Period.

Answer: Its important before making any changes to make sure yout providers are in network, your prescriptions are covered are some of the objectives in short. As if there are any obstacles, you can make a decision if change is acceptable to you.

Answer: After careful consideration of an assessment with an agent a choice should then be made for your situation. One of the answers in reference to being a snowbird would be a medigap(Med-supp). It gives the freedom to see providers and or specialist who accepts Medicare's assignment. Access to the right care-from the right provider-at the right time. When you need it.

Answer: Specifically as it applies to Part B & Part D rule of thumb is to get proof early as if there is no concrete evidence the possiblity of higher premiums are possible for life.

Answer: Medicare does not cover everything which is why having an assessment prior to making a choice to weigh those options is important. Contacting your agent can be helpful in understanding what course of action you can take with your existing plan. If change is needed and is posssible that agent will be instrumental in bringing about that change

Answer: Making a decision in a moment of crisis without taking time to assess needs when it comes to Medicare options can have medical and financial implications.

Answer: Yes checking in with your agent makes sense to make sure your current plan has the same benefits, as there may be small difference's in the evidence of coverage in a different county of the same State. You should not have to change if you have a medigap plan.

Answer: A Medicare agent serves as an advocate for the client who has annual certifications and training.

On any given day you wont think about any of the medicare or med-supp plans. Yet on the day something scare's you or somethings happens, you want options not obstacles. An Agent helps to put these options in place before hand.

Answer: Medicare's wellness visit is a yearly appointment that focuses on assessing health risk and preventive care. Which is why its called Wellness Visit and not a Physical Exam. It purpose is to catch signs of disease early and provide options to better health.