Manuel Sundiman, Medicare Insurance Agent

Answer: Go to SSA.gov or go to their locations in your town to sign up for Part A & B, but you have to receive benefits a minimum of 2 years of SSDI from SSA

Answer: Yes, you should because hospital indemnity pays at least the first 10 days in cash to replace out of pocket costs that most Medicare Advantage plans do not cover.

Answer: To cover most of the complex prescriptions because of their particular health situations. Medicare Advantage that comes with Part D may have higher copays for specific preferred meds

Answer: Call the insurance company first, then write a letter if you still get denied. Your last resort would be contacting Medicare directly at Medicare.gov

Answer: I would recommend that you would sign up at least with Part A and you can consider delaying the Part B, as long as your employer still provides health insurance that you can participate

Answer: Some folks want flexibility of the doctors and specialists in different networks. Most of the time folks would sign up for a Medigap b/c of those reasons as long as their finances would allow them to keep up with the premium increase every year

Answer: You can Google, go to the Insurance company website to verify or call the company directly. If you're still not satisfied, then talk to a licensed agent

Answer: Talk to an agent you trust and remember his/her contact # to assist you in different stages of their lives

Answer: This is based on preference because there are few folks who believe in just Part A & B (traditional) medicare, but they'll be exposed to the of the 20% remaining bills if they end up in a hospital or needing a home health care assistance. They should buy the Medigap to cover 100% of cost with only $250 yearly deductible for any medical costs, including any doctors who take Medicare

Answer: No, that is really not true because I believe most people, if not all, should have life insurance. Medicare only covers health insurance for the beneficiary, whereas life insurance can supplement the beneficiary while they're living as well as a tool for end of life planning so it would not leave a burden to the living family members

Answer: You can try, it just depends on the rep on the phone and how helpful the person is. This is one of the reasons everyone over 65 should get an agent so that you can transfer the responsibility and liability to the agent

Answer: We have access to analyze different plans in a particular county with tools that only a licensed agent has

Answer: Hello, I want to be clear that you (husband) already turned 65 in August, you would have to pay the penalty yearly if you don't enroll in Part B. You can delay the enrollment as long as your wife is employed, but I imagine you'll have to pay extra to be on your wife's employer plan.

Rather than spending that money to get spousal coverage, you'd be much better off getting your own for only $194 starting 01/2026, which would allow you to have Part B (doctors), C (dental+benefits), and D prescription meds. I am licensed in TN, so you can contact me when you're ready to talk