Maurice Ellis, Medicare Insurance Agent

Answer: Take your time and review everything thoroughly. I dont want anyone to miss out benefits they don’t know about.

Answer: When or if to apply for a supplement. And many think Medicare is automatic and it covers everything.

Answer: Some Medicare Advantage plans include travel benefits for when you need care away from home. These travel benefits usually cover more than just emergency and urgent care and help ensure you have coverage no matter where you are. However, not all plans have the same rules and limitations – it’s important to ask questions when shopping for the right Medicare Advantage plan.

Important questions to ask include:

What emergency or routine health care services are covered if I vacation in the U.S. or out of the country?

Do I have to seek services with specific providers?

How long can I be away from home and receive coverage?

Will this plan cover both domestic and international travel?

Answer: A (MAP) Medicare Advantage Plan that covers hearing, vision and dental could have help with the expenses.

Answer: You should meet with a licensed agent ASAP. If you wait to long penalties could into play. And your insurance with your job could play a vital part in your coverage.

Answer: Medicare penalties for late enrollment are extra costs you may have to pay if you delay signing up for certain parts of Medicare when you are first eligible. These penalties are typically added to your monthly premiums for as long as you have that coverage.

Part A Late Enrollment Penalty: If you don't sign up for Part A when you're first eligible and have to pay a premium, you'll incur a 10% penalty on your monthly premium for each period you could have signed up but didn't. This penalty is applied for twice the number of years you delayed enrolling.

Part B Late Enrollment Penalty: If you delay enrolling in Part B, you'll pay an extra 10% on your monthly premium for each full 12-month period you could have signed up but didn't. This penalty continues as long as you have Part B coverage.

Part D Late Enrollment Penalty: If you delay enrolling in Part D or have a gap in your prescription drug coverage, you'll pay a 1% penalty on the national base beneficiary premium for each month you were without coverage. This penalty is added to your monthly Part D premium for as long as you have the coverage.

Answer: Original Medicare (part A & B) is "given" to everyone when they turn 65 that covers 80%.

Medicare Advantage (part C & D) is what you would do by contacting an agent for additional (20%) coverage that should include dental, hearing and vision.

Answer: If you're turning 65 next month, the first step is to determine if you need to enroll in Medicare or if you're already enrolled automatically. If you're already receiving Social Security retirement benefits, you'll likely be enrolled in Medicare Parts A and B automatically. If not, you'll need to actively enroll during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after. During this time, you can choose between Original Medicare (Part A and B) and Medicare Advantage (Part C). You should also compare plan options and enroll in a timely manner to avoid late penalties, according to a Medicare guide.

Answer: For someone on a tight budget, Medigap Plan K is generally a better option than Plan G. Plan K offers lower premiums than Plan G, but with the tradeoff of requiring cost-sharing (paying a percentage of covered services). Plan G, while offering more comprehensive coverage, comes with higher premiums.

Answer: To see if your mom's doctors are in a Medicare Advantage plan's network, she can either directly check the plan's website, call the plan, or use Medicare's online tool. It's crucial to verify if her doctors are in-network because Medicare Advantage plans often have restricted provider networks. If her doctors are not in-network, she'll need to consider whether the plan allows out-of-network care and what the associated costs would be.

Answer: When a spouse dies, the surviving spouse will not receive both their own Social Security benefits and their deceased spouse's benefits. Instead, they will receive the higher of the two benefits. If the surviving spouse is already receiving their own retirement benefits, they will receive the higher amount between their own benefit and the survivor benefit based on their deceased spouse's record.

Answer: To save on prescription drug costs, consider switching to generics, using discount cards or programs, comparing prices at different pharmacies, and exploring mail-order or online pharmacies. Also, ask your doctor about potentially splitting pills, getting 90-day supplies, and utilizing manufacturer coupons or patient assistance programs.

Answer: Declaring bankruptcy, even due to medical bills, generally won't affect your Medicare coverage or eligibility for benefits. However, it's crucial to inform your Medicare Administrative Contractor (MAC) about your bankruptcy status, especially if there are outstanding payments or if you're unsure about your financial obligations. While bankruptcy can help discharge medical debt, it's essential to understand how it impacts your overall financial situation and future healthcare planning

Answer: Yes, it's possible that something has changed, even if you haven't switched plans. Medicare Part D plans update their formularies (covered drug lists) annually, which can affect the cost of your prescriptions. Additionally, your pharmacy's preferred network status or the specific phase of your plan's coverage could also be factors.