Maureen Wark, Medicare Insurance Agent
Maureen Wark
My Insurance Ladies At McGovern Agency
Medicare Agent Licensed in MI and FL
Contact Details
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Location
Lexington, MI
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Phone
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Website
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Maureen Can Help With:
About Me
Helping our friends navigate the ABCs of Medicare No cost and never any obligation. Call or e-mail me today. Lifelong Macomb County resident with weekend/summer home in Lexington since 2004. Let's get together and look at your options.
Q&A with Maureen Wark
I've had the same Part D plan for years, but this year my insulin shot up in price. Did the Inflation Reduction Act not fix this yet?
Answer: It's very imprimatur to review your Part D plan each year during the Annual Enrollment Period. Plans make changes to the prescriptions they cover and to their deductible and co-payments.
Your plan may have made changes for 2026 that impacted the medications you take.
Is there a Medigap Plan company with a non-increasing premium? I heard Blue Cross/Blue Shield Offers this. If so, how expensive is it?
Answer: I don't believe any Medicare Supplement plans would continue without any premium increases.
Blue Cross and other insurance companies have increases.
My doctor wants me to get several preventive screenings. Will Medicare cover all of these at once?
Answer: Medicare should cover multiple tests on the same day. However some Medicare Advantage plans may not cover multiple tests that take place on the same day. It is best to consult your Explanation of Coverage EOC, or call your plan customer service for a definitive answer.
Why would you not choose a medicare Advantage plan?
Answer: A person may choose not to enroll in a Medicare Advantage plan if they wanted to convenience of paying a monthly premium and not having to pay co-pays or co-insurance when obtaining services. If someone had homes in multiple states and spent significant time away from their main home, where they may get routine care in another state, Medicare Supplements offer more flexibility.
With a Medicare Advantage plan after I reach the max out of pocket, $3,000 or more, will I have any copays or fees the rest of the year?
Answer: As long as your service are Medicare-eligible and covered by your plan, and network, you should have no additional medical expenses. There may be exceptions if for instance you obtain care from a provider who does not accept Medicare or is not in your plan's network. Prescriptions, dental, vision, hearing benefits do not apply to that maximum.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: In general, people need to enroll in Medicare when they turn 65. A person's Initial Enrollment Period is 7 month long. The three months prior to their 65th birthday month, the month they turn 65, and the three months afterward. However, there are certain circumstances that allow a person to enroll at a later date. One such reason is if they are working or married to a spouse who is working and has Creditable health care from their employer.
Why am I paying more for Medicare Part B and D than my friends? What is IRMAA and how is it calculated?
Answer: IRMAA is based on someone's MAGI on their Federal tax return from 2 years prior.
If a person or couple has income in excess of the standard amount, that person or persons will pay more for their Part B and Part D.
Each year the lookback period is 2 years prior.
Certain circumstances are eligible for an appeal.
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Many seniors enroll in Medicare too late because they don't realize their current health insurance or COBRA is not creditable. Then they have late enrollment penalties.
The biggest mistake seniors make when enrolling in a Medicare plan is not working with an independent insurance agent to review their specific needs and to see what options are available.