Michael Andrews, Medicare Insurance Broker

Answer: Local agents tend to be more familiar with their state's doctor and hospital networks which can be very helpful when reviewing Medicare plan options.

Answer: I personally like to physically draw out the A, B, C, D's of Medicare on paper to help create an understanding of part A and B as well as the additional options you have. I educate on all the available options specific to my client's needs so that way I help empower them to make a properly informed decision.

Answer: In my opinion, the biggest disadvantage of the Medicare Advantage plans is the ability for doctors and hospital networks to undergo contract negotiations which may leave the client out of network for the rest of the year.

Answer: The biggest mistake I've seen is a beneficiary applying for part B retiring after 65 without submitting the correct forms that will prevent late enrollment penalties. It is important to begin the application process with social security 3 months prior to needing your part B to start.

Answer: First find out if enrolling into Medicare is the best thing to do. If you have a younger spouse or child on your insurance or if you plan to keep working, you may not want to enroll into Medicare yet. If you need to enroll into Medicare, you can through ssa.gov or call your local social security office to make an appointment.

Answer: Yes some do! There are plans depending on where you live that may offer alternative therapies such as chiropractic and acupuncture. It is important to keep in mind that you can only use alternative providers that have a contract with the insurance company of your plan.

Answer: Some people wait because they think they will automatically enroll into Medicare without having to do anything. Automatic enrollment occurs only if you are already collecting social security retirement income. It is recommended that you meet with a local expert that can help you create a Medicare gameplan so that way it is a much smoother process.

Answer: If you have a prescription drug plan either through a Medicare Advantage plan or a stand alone part D plan, the most you will be responsible for is $2,000 out of pocket for the year as long as your prescriptions are in the formulary of the plan.

Answer: The major red flag is if the caller asks for your Medicare number fairly quickly into the call. The first questions should be about your doctors and prescriptions as well as questions about the coverage you are seeking. Working with a local broker in your community is always a great option.

Answer: There are some Medicare Advantage plans that may offer food card benefits, however, these are usually found with Special Needs Plans and not all Medicare beneficiaries qualify. Original Medicare does not cover groceries or other related products such as over the counter benefits.