Marcie Barnes, Medicare Insurance Agent

Answer: If a person is a United States citizen and worked 40 quarters aka 10 years paying into the system, then they qualify for Medicare at age 65

Answer: If his income drastically increased then he may assessed what is called an IRMAA. You can find more information on this subject at medicare.gov

Answer: The Medicare Prescription Payment Plan (PPP) is a new, voluntary option for Part D members to spread out their out-of-pocket drug costs into monthly installments throughout the year, instead of paying large amounts at the pharmacy, helping manage budgets but not lowering total drug costs. You enroll through your Part D plan, and it's especially helpful for those with high-cost drugs early in the year, allowing for $0 payments at the pharmacy counter once enrolled.

How it Works

Spreads Costs: You pay your share of drug costs monthly, not all at once when you fill prescriptions.

No Added Cost: It's free to join and doesn't save you money, just changes when you pay.

Capped Payments: Payments stop once you hit the annual Part D out-of-pocket maximum (e.g., $2,100 in 2026).

Monthly Bills: Your bill is calculated based on what you would have paid, spread over the remaining months.

Answer: The coverage gap was eliminated in 2025.

Every drug covered by your prescription drug plan accumulates until you reach $2100. Once you reach your drug out of pocket max, you e ter the catastrophic phase and pay $0 for all prescriptions that year. It reset every January

Answer: The biggest mistake new Medicare beneficiaries make is trying to sign up on their own.

Having a licensed agent help you navigate through this complicated process to insure you are receiving all the benefits you are entitled and are covered correctly. Will make your Healthcare needs much easier.

Answer: A Broker works with multiple insurance companies.

I am a broker, and I am also an Agent. The role of the Agent is to be the advocate for the Medicare beneficiary.

My Broker status allows me to shop a wide variety of plans for my client.

Answer: If you have a Medicare Advantage plan a review should be done every early October.

If you have a Medicare Supplement plan it should be reviewed close to your birthday

Answer: Hospital Indemnity plans are good in conjunction with Medicare Advantage Plans. They're fairly inexpensive and offer customizable options.

To learn more, contact Marcie Barnes.

Answer: I would love to talk with you in depth. Medicare can be a complicated subject.

I am a licensed professional agent and subject matter expert.

Please contact me, Marcie Barnes.

Answer: The best way to get quotes is to contact a licensed professional agent.

Contact me

Marcie Barnes

Answer: If you want to have Medicare Part B, the cost is $206.50. Many veteran-specific Medicare Advantage plans offer relates on the Part B premium as well as Dental, Vision, and other extra benefits.

You can use your VA coverage for everything, and use your Medicare coverage as backup and extra benefits not offered by VA.

Contact me, Marcie Barnes, to assist you with your enrollment

Answer: January 1 2025 the "donut hole" was eliminated.

Te maximum out of pocket for 2025 is $2000. Please contact your insurance carrier to find out why your prescriptions are not covered.

Answer: You are covered for .medical emergencies only. You must maintain an address in the United States, be a United States citizen and worked 40 quarters in the US to qualify for Medicare.

If you need routine, accute medical care your ust return to the US or pay out of pocket in the country you reside in.

Answer: Your doctors coordinate with the insurance companies for medical treatments and procedures that require proof of medical necessity.

Refer to your summary of benefits to determine what is covered

Answer: This is not a question Medicare would handle.

I suggest consulting a financial professional on how to protect your mother's assets

Answer: You have coverage for medical emergencies outside of the US.

Refer to your evidence of coverage for details.

I strongly recommend purchasing health insurance for travel

Answer: Original Medicare doesn't benefit beneficiary because of the put of pocket costs. There are not networks, the doctor only needs to accept Medicare.

Medicare Advantage limits those cost but has a network one needs to stay within to get the most out of their benefits

Original Medicare and a Medicare Supplement plan is a good way to go if it's affordable to the beneficiary.

Answer: There are several programs to assist beneficiaries with prescription drug cost is to speak with a licensed professional insurance agent to do a full needs assessment.

Contact me Marcie Barnes.

Answer: Some Medicare Advantage plans have limited dental coverage and some have more comprehensive coverage.

If you are looking for a more comprehensive dental plan. This is the time of year to explore your options.

Please reach out to me Marcie Barnes.

Answer: You have options. It's best to speak with a licensed agent to chose what suits you best.

Please call me. I am here to help

Answer: You can apply for Medicare during your Initial Enrollment Period (IEP), which is a seven-month window around your 65th birthday.

This period includes the three months before your 65th birthday month, the month you turn 65, and the three months after your birthday month. It is recommended to apply three months before your birthday month to ensure coverage starts on time and avoid gaps.

If you are already receiving Social Security or Railroad Retirement Board benefits at least four months before you turn 65, you will be automatically enrolled in both Part A and Part B.

If you or your spouse is still working and has employer-sponsored health insurance from a large employer (20+ employees), you might be able to delay Part B enrollment without penalty. A Special Enrollment Period is available after employment or coverage ends.

Failing to sign up for Part B when first eligible, unless you qualify for a Special Enrollment Period, can result in a permanent late enrollment penalty and delayed coverage.

How to Apply

You can apply for Medicare through the Social Security Administration online, by phone, or in person at a local office.

Answer: Annual Enrollment Period is 10/15 - 12/7.

Anyone can Enrollment or change plans during this time.

Open Enrollment Period is 1/1 - 3/31. People who have a Medicare Advantage plan can change their plan once during this time.

The rest of the year requires a special enrollment period. This is on a case by case basis.

Answer: Having a power of attorney is a very smart move. My personal experience is when my parents git sick and couldn't speak for themselves. Since we had that POA in place there was no issue with getting them the care they needed.

Answer: You have limited home health benefits based on medical necessity. Full-time nursing care is not covered

Answer: The agent's job is to do what's best for each client. Medigap plans are not always the right fit, the same goes for Medicare Advantage.

It's what's best for you.

Medigap plans are best started when you are new to Medicare. Since it's private coverage, one might not qualify later in life due to health issues.

Answer: Yes, Medicare Supplement plans do not follow the same rules as Medicare Advantage.

Feel free to contact me for assistance with a quote, Marcie Barnes

Answer: There are late enrollment penalties if you delay signing up for Medicare at age 65.

Check medicare.gov for information on late enrollment fees

Answer: If you aren't dual eligible for Medicare and Medicaid, you can expect to be billed for your Part B deductible plus 20%.

If you need assistance finding the right coverage to help with Medicare excess costs. Please reach out to me.

Marcie Barnes

Contact me.

Answer: Yes you can be denied for a Medicare Supplement plans if you have pre-existing conditions.

You can avoid having to go through underwriting when you're:

Brand new to Medicare

Transitioning from employer coverage

Lost credible coverage

Or other reasons not listed

Answer: It's not a question of which is better, but what works best for the individual beneficiary.

Medicare Advantage offer a wide range of benefits, including dental, vision, hearing etc. They usually have little or no premium.

Medicare Supplement plans are meant to compliment Original Medicare. They will pick up what Medicare doesn't pay. They usually have a monthly premium and get more expensive as you age.

Answer: The true answer is about preference. I suggest you review yout employer coverage and compare it to Medicare coverage. Whichever is the better choice for you is how you decide what is prudent.

You will get Part A premium free. So if you chose to delay Part B and stay with your employer coverage until you decide to retire you will not incur any penalties for delaying Medicare enrollment

Answer: Both Medicare Advantage and Medicare Supplement plans have emergency coverage outside the United States.

Most Medicare Advantage plans have domestic travel coverage as well. Medicare Supplement plans allow you to see any doctor nationwide as long as the accept Medicare.

Answer: Thank you for your question. I understand your frustration.

Follow-up questions are needed to address your concerns. A generic answer will not suffice.

Please contact me.

I will be happy to assist you

Answer: If you have a Medicare Advantage plan check with the insurance carrier for more information on what is covered and what your cost will be.

If you have original Medicare and a Medicare supplement plan your coverage is:

Original Medicare has no limit on the number of physical therapy visits it will cover, provided the services are deemed medically necessary. While there is no session cap, after your total therapy costs reach a specific yearly amount (the therapy threshold), your provider must document that the services remain medically necessary for continued coverage. Original Medicare (Parts A and B) covers 80% of the Medicare-approved amount for outpatient physical therapy, after you've met your Part B deductible.

For 2025, the threshold is $2,410 for Physical Therapy (PT) and Speech-Language Pathology (SLP) services combined, and $2,410 for Occupational Therapy (OT) services. If therapy costs exceed this threshold, the provider must use the "KX" modifier and document the continued medical necessity for coverage to continue.

Answer: Medicare Advantage plans are private health insurance companies receiving Medicare funding to create plans for Medicare recipients.

Your Medicare tax dollars paid for these programs during your working years.

Answer: Medicare and Medicaid plans for Guam and the US Virgin Islands (USVI) are administered differently from the 50 states, with both territories having their own SHIP (State Health Insurance Assistance Program) resources and local Medicaid programs. You can get information about Medicare plans for the USVI from the Virgin Islands SHIP (VI SHIP) and for Guam from the Guam SHIP, both of which are federally funded by the Centers for Medicare and Medicaid Services (CMS). For Medicaid, contact the local Medicaid office or the territory's Department of Health and Human Services.

Answer: The Medicare 3-Midnight Rule requires beneficiaries to have at least three consecutive nights as an inpatient (not observation) in a hospital before Medicare Part A will cover services at a Skilled Nursing Facility (SNF), which includes the day of discharge. While this rule traditionally applied to traditional Medicare, a recent development mandates that Medicare Advantage plans must also follow it, ensuring that for most patients, inpatient care that spans two midnights or more will be covered by these plans under the existing Two-Midnight Rule.

Answer: You will not need to change the Medigap plan. Keep in mind rates for plans vary based on zip code. It's always good to check Medigap plan rates for Florida compared to New York

You will need to change your prescription drug plan to a Florida plan.

Answer: It's in your best interest to speak with a licensed professional to assist you in finding the coverage than is best suited for you.

Too many beneficiaries miss out of crucial details without assistance.

Answer: Certain people who are disabled can qualify for Medicare after 25 months on disability.

People with end stage renal disease also qualify for Medicare.

Answer: California, Idaho, Oregon, Kentucky, Nevada and Maryland.

Answer: If you have a Medicare Advantage plan then a PPO is best. Many plans offer travel benefits within the US.

If you have a Medicare Supplement plan then you can see any Healthcare provider within the US as long as they accept Medicare.

Answer: Feel free to contact me.

I am happy to help you navigate through all its and outs of Medicare

Answer: It depends your situation. If you are new to Medicare and have your Medicare number now is the time.

If you are shopping for a different plan than you currently have, now is the time.

If you are interested in next year's plans, October 1st is when those plans are released

Answer: Long term care is not covered by Medicare.

2 things you need to think about when it comes to long term care.

1. Buy a long term care policy. Depending on your age it could be quite expensive, but worth looking into

2. If Long term care is needed. Liquidation of all your assets and apply for Medicaid once you have exhausted all your resources.

Answer: Start the process of applying for Medicare 3 months before you leave your job.

Once you have your Medicare card call me to discuss your Medicare options

Answer: Plan K may have a lower premium but your out of pocket costs are much higher.

Plan G only out of pocket cost is the Part B deductible.

If you have a tight budget and don't mind copays, you may want to consider a Medicare Advantage plan

Answer: First of all congratulations on the next phase of your life.

Start your application for Medicare now. There will be no penalties as long as you have maintained credible coverage through your job.

Go to ssa.gov to create an account and apply for social security and Medicare.

Once you have your Medicare number which takes about 3 weeks. Contact a licensed professional like myself to find coverage that's right for you

Answer: Medicare Supplement plans can be useful based on lifestyle and health needs. They're a more basic type coverage with no extra benefits like a Medicare Advantage plan has.

It's really just a matter of choice and needs.

Answer: Ultimately Medicare Supplement companies all off the same exact products. Similar to car insurance companies. The best strategy is get your coverage at the lowest price. Medsuo policies automatically pay after Medicare pays.

Answer: If you are still working, Medicare Part A aka hospital coverage is just fine as long as you have coverage from your employer.

If you don't take Medicare Part B when you are first eligible. You will incur a lifetime penalty. That is if you did have credible coverage when you first became eligible.

It's best to get both A &B and enrollment in a Medicare plan with a $0 premium. So plans off a Part B reduction.

Answer: There are several scenarios for Guaranteed Issue.

New to Medicare

This could be new to Part B within 6 months or new to A and B within 6 months

Loss of credible coverage

When transitioning from employer coverage or private insurance

There are other scenarios, but these are the most common.

Answer: To be eligible for Medicare Part A and B you must have worked and paid into Medicare through your tax contributions for a minimum for 40 quarters or 10 years.

If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $285 or $518 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.

Part B costs

$185 each month (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services.

Who pays a higher Part B premium because of income? go to Medicare.gov for the income chart

You might pay a monthly penalty if you don’t sign up for Part B when you’re first eligible for Medicare (usually when you turn 65). You’ll pay the penalty for as long as you have Part B. The penalty goes up the longer you wait to sign up. Find out how the Part B penalty works and how to avoid it.

Answer: Plan F picks up the difference that Medicare doesn't pay.

There are no copays with plan F all you pay is your part B and D premiums and your Plan F premium

Answer: Medigap policies are private insurance companies that coordinate with original Medicare. They're not subject to CMS regulations.

There are ways around having to go through underwriting such as:

You are new to Medicare

You lost credible coverage

Some states have a birthday or anniversary rule. Caveat is you must already be enrolled in a Medigap plan and wanting to switch to another one.

Answer: Yes you will be eligible for loss of credible coverage special enrollment period. You have 60 days from the date of loss to enroll.

Answer: Since Part C aka Medicare Advantage becomes your primary insurance, you are subject to the rules and guidelines of the plan in which you are enrolled.

Answer: To prevent being scammed it's in your best interest to have a trusted Medicare agent that you can speak to about anything insurance.

If you encounter a problem ever, you can call 1-800-Medicare.

Answer: Contact your plan for assistance on how to file and appeal. You can also call 1-800-Medicare for assistance on how to file an appeal for Medicare.

Answer: You can consult a lawyer or get legal power of a attorney through an online service. Example Legal Zoom is well-known.

Answer: It's true a lot of people are dropping out of the traditional work force, but that doesn't exempt them from paying taxes.

Medicare and social security taxes are still required to be paid.

Answer: When I explain a Medicare Advantage plan that has a $0 premium. I explain that although your premium is $0, you will have a cost share on services.

Answer: As a retired Federal worker you're given Federal Employee Benefits such as Blue Cross health insurance.

Medicare is your primary coverage and your FEP plan is secondary.

There are no other options other than dropping your FEP benefits to have a Medicare Advantage plan.

Your FEP coverage is better, so I don't recommend it

Answer: No, once you have a Medicare Advantage plan you present that card as your insurance.

If a provider is out of network and you don't have out of network coverage. You will be responsible for the entire bill.

Answer: If you are new to Medicare and didn't have to go through underwriting and were approved. The answer will be yes.

If you did go through underwriting and failed to share this information you may want to speak with the insurance company.

You sign a contract stating the answers to the questions given were true. One of the questions asked is if you have scheduled procedures not yet performed.

Answer: You can see any provider you want as a cash paying patient.

That choice is between and the doctor you want to see

Answer: I don't believe there is. This might be a question for a tax person.

Medicare premiums are taken out of your social security income which is non-taxable. Doesn't seem logical there are tax deductions available.

Definitely ask a tax person for sure.

Answer: Ambulance companies don't collect your insurance information in an emergency. Look at the payment stub on the back and provide your insurance information. Mail it back to them so they can bill insurance. You may have some cost share after the insurance pays

Answer: Several Medicare Advantage plans provide a gum membership and incentives for staying healthy.

Medicare alone does not.

Answer: You can speak with a licensed professional agent and shop plans. Every company offers the same coverage and compete for your business.

You don't have to wait for a special time a year.

Answer: Yes you can change coverage during Annual enrollment.

There are exceptions to avoid underwriting:

You a new to Medicare within the last 6 months.

You left or lost credible coverage elsewhere

There are other rare exceptions that can be explored at the time of enrollment.

Answer: I enjoy most everything about my job. Medicare clients especially because everyone has a story. I find it rewarding to assist my clients find just the right fit for their needs and hearing the sounds of happy clients. I also appreciate when a happy client refers me to their friends and family.

Answer: Medicare doesn't cover experimental treatment and clinical trials. Typically any insurance providers would not cover this. They're normally paid for by the clinical trial and manufacturer.

Answer: Every Medicare beneficiary has a choice. Medicare Supplement plans are readily available and don't have the same strict guidelines lines the Medicare Advantage plans have.

Medicare Advantage plans have wider suite of benefits and have premiums as low as $0.

It's the choice of the beneficiary to chose what is best for them.

Answer: This is a personal preference. Some people prefer a face to face meeting and others prefer over the phone or video conference

Answer: This is important for people that take several prescriptions or very expensive drugs.

Before this went into effect in 2025, the maximum out of pocket was $8000.

Now once you and other meet a maximum of $2000, all your covered prescriptions are $0 for the rest of the year.

Answer: You can gleen some good information from events like that. I always recommend speaking directly with a licensed professional agent.

I am an expert in my field and would be more than happy to assist with in depth questions and answers.

Marcie Barnes

Licensed professional agent

Answer: Every licensed agent is provided with a National producer number. You can ask for that number and verify them on Google with their name and NPN.

Answer: If you are enrolled in a Medicare Advantage plan or a stand alone prescription drug plan, you will have 60 days from the date of your move to enroll in a new plan in your new state.

You will need to also notify social security of your new address.

Answer: Choosing the right coverage is personal choice. What might be good for one individual is not for another.

It's all a matter of preference, budget and lifestyle.

A licensed professional can insure an individual is getting the coverage that is best for them.

Answer: I agree with you completely. If you have coverage questions then the insurance company is best to answer those questions. If you are shopping for coverage it is best to speak with a licensed broker to assist you in finding the coverage the best fits your needs.

Answer: Everything is subject to medical necessity. If you have a particular blood test in question. Consult your doctor's office. They can assist in determining what's covered.

Answer: When you decide to take your social security benefits is a personal decision. I have watched some good YouTube videos that advise one thing or another.

I personally would take it as early as possible. Since SSI provides regular Cost Of Living Raises, by the time you reach age 70 you will be collecting the "full" amount you would have gotten.

Answer: If you have VA coverage you have many great options.

You can have Part A only and VA benefits. That is something to consider when the VA covers all your medical expenses.

You can have Part A Hospital and Part B Medical and VA coverage. If you chose this option, you are eligible for a Medicare Advantage plan that provides extra benefits that Medicare or the VA doesn't offer.

If you would like to further discuss your options I am here to help

Answer: Original Medicare is basically hospital and medical coverage. That's not any special about the coverage. Adding a Medicare Advantage gives you additional coverage

Answer: First and foremost by speaking with a licensed Health professional agent. Secondly reviewing the Evidence of coverage for the plan you are selecting.

Answer: It's in your best interest to speak with a licensed professional agent to sort out what your needs are. Finding a plan that serves you best is the end goal.

Answer: The coverage a beneficiary choses is a personal choice. Medsup plans have a cost that some people can't afford. Medicare Advantage plans offer more comprehensive coverage including dental, vision, hearing etc.

Medsups are like having car insurance. You pay a monthly premium and hope you don't need it. Medicare Advantage is more like pay as you need it.

Answer: This is just a theory, I would ask a doctor why. Doctors prefer original Medicare and a Medicare supplement plan because they get paid more. Medicare Advantage plans have contracts and negotiated rates.

Answer: A request must be made by a doctor and Home Health Services are usually covered at a $0 copay. Please check with your insurance for further information

Answer: There may be a special enrollment period we can use. I can help determine if this is possible.

Contact me directly

Answer: First thing is to create an account at ssa.gov. if you are still working and have health insurance through your job then you will not need to get Part B. Part A is premium free so you will get it automatically.

If you have already retired then you will apply for Medicare through SSA.GOV.

Once this done then you need to speak to a licensed professional agent to assist with getting the right coverage

You can contact me!

Answer: You will require a preauthorization ordered from your doctor. You will be responsible for 20% of the cost under original Medicare Part B after the $255 Part B Deductible is met or a Medicare Advantage plan

Answer: The type of coverage one chooses is personal. Something that is a disadvantage for one person may nit be a disadvantage for another.

A thorough needs analysis is needed to determine what type of coverage is best for each individual.

Answer: You can apply for prescription drug assistance at ssa.gov/prescription help.

You can also apply for further assistance through health and human services or hhs.gov for your county.

Answer: Good news! There is no Donut hole anymore. Once you reach $2000 in out of pocket drug costs, the plan pays 100% for the rest of the year.

Answer: Sone Medicare plans offer this service. There are also services in your community that assist. Use them to locate services in your community

Answer: It would be better explained by a licensed professional agent.

My name is Marcie Barnes. I would be happy to break everything down in simple terms for you

Answer: In 2024 this did go into effect. The Coverage Gap aka Donut hole was eliminated and prescription drug out of max is now $2000.

You can further find this information at medicare.gov

Answer: I strongly recommend purchasing supplemental coverage for chronic diseases to protect yourself from catastrophic illnesses.

Answer: If you are assessed a Part D IRMAA, it's based on your annual income reported to the IRS.

Consult a tax professional to find out ways to reduce or avoid it.

Answer: Having a licensed professional agent is the best way to stay up to date on changes to Medicare.

Feel free to contact me with any questions you may have

Answer: One has nothing to do with the other. It could cause issues with providers you were seeing, but doesn't effect your coverage

Answer: You Medicare Advantage plan provides a list of covered preventative services. Refer to your evidence of coverage or reach out to your insurance company for further details

Answer: Your question requires more details to give the best answer. I suggest you call licensed expert to further assist you.

Answer: Medicare Advantage and Medicare Supplement plans have worldwide emergency coverage. Cruise ships out in the ocean have their own medical team. I believe you have to purchase medical coverage when on a cruise ship.

Answer: This is something you really need to speak with a licensed agent with to figure out how to help you. You can contact me.

Marcie Barnes

Answer: I believe lack of knowledge is the reason people wait. There are many tools available to assist beneficiaries. Connecting with an agent early on is the best way to be educated and have a subject matter expert at their finger tips. The Medicare Agent Directory is a great way to find a licensed professional to assist you.

Answer: The average Medicare beneficiary on a fixed income will not be assessed the Part IRMAA unless their income is above $100,000 or more or something of great value was obtained or sold causing it to be reported to the IRS

If you are assessed a Part D Irma you will receive a letter from Social Security.

Answer: No you cannot. Enrollment effective dates are the 1st day of the next month.

You can contact centers for Medicare and Medicais services to see if there's any options.

If there's a special enrollment that can be used they will let you know

Answer: Since there are more than 1 type of Medicare plan, it's in your best interest to have a full needs assessment so you are choosing the plan that fits all your needs.

You can contact me

Licensed Benefit Advisor

Marcie Barnes

Answer: Yes it is. Medicare Advantage plan coverage are based on your residential zip code and can vary in different counties

Answer: Assisted living is not a covered benefit of Medicare. You would need a different type of insurance for that. Such as long-term care or an Indexed Annuity with a living benefit.

Contact me for more information Marcie Barnes

Answer: Concierge medicine is essentially cash pay for doctors who not to take insurance. A provider must Medicare approved in order for you to seek reimbursement for services.

Answer: I wish I knew the answer for that. The best way to stay informed is have one licensed agent as your point of contact. If you have questions you will have a subject matter expert to turn to.

If you don't have one feel free to contact me Marcie Barnes

Answer: It's never too early to be educated on how Medicare works. It's always changing and the more you know the better prepared one will be. Not to mention the younger generations have parents that will eventually age into Medicare and they'll be able to advocate for them.

Answer: Medicare plans have coverage for worldwide emergency and urgent care. Refer to your evidence of coverage before traveling.

Answer: Home Health is usually on a short-term basis. For example: You had surgery that required a hospital stay and possibly some time in rehab. When you are discharged to home, your doctor can order a home health professional to come see you so many hours per week until recovered.

Answer: As long as you have credible coverage through your job you don't need Part B. You may want to explore your options though. Employer coverage is not always the best option if you have high premiums and Deductibles. Feel free to reach out to me to further discuss your options. Marcie Barnes

Answer: Having a Medicare agent as a subject matter expert is important to maintain consistency. This will also help protect Medicare recipients from fraud.

Being a Medicare agent and having a relationship for the lifetime of my clients is a privilege and honor. The client always knows they have someone to turn to with all their insurance needs.

Answer: You can choose to delay Medicare Part B as long as you have credible coverage through employer coverage. Medicare Part A is premium free and you will be enrollment once you turn 65.

Answer: Medicare Part A is only for inpatient services. Medicare Part B is for anything outpatient, including outpatient surgery and doctor visits.

Answer: The plan that is right for someone else may not be right for you. A extensive needs assessment is the best way to determine what will be in your best interests.

Answer: Medicare is a complicated subject. Working with a licensed expert will insure you get all your questions answered and are enrollment is the coverage the best suits your needs