Michael Brady, Medicare Insurance Broker

Answer: The Medicare approved amount is the amount that Medicare will pay for a given procedure. You will need to contact your doctor and ask if he/she will accept Medicare.

Answer: Part A will cover you in the US. I'm not familiar with the available policies in the UK and their coverage for travel.

Answer: I have not had any clients with this issue. Any additional income can increase your Part B & D cost.

Answer: Most states have a birthday rule. The rule allows you to switch your supplement/Medigap without answering health questions. The birthday rule is different in every state and is limited on the changes you can make, as well as the carriers you can choose from.

Answer: Hospital Indemnity helps cover the cost of your daily copays; it's helpful if you need the help and are worried about your out-of-pocket cost. Most Hospital indemnity plans will cover if you have more than one stay in a year.

Answer: The amount you will pay depends on the plan you have chosen. Your deductible also may need to be covered. Consult your plan's coverages to get a correct amount of what you will need to pay.

Answer: Medicare should be just fine. Questions are: are you using your work insurance for other things, example (dental, vision)? If you are, you might want to look at other options. Traditional Medicare only covers medical.

Answer: With an HMO, you must stay with medical providers that are in your network to have coverage. The only way to get it covered is if there are no other cardiologists in the network that can provide the services that you are needing.

Answer: Can you explain all my options? What are the downsides of all options? What are the advantages of each option?

Answer: I manage my father's care. I have learned to get a good professional to help me with options.

This way, I can make the best decision for my father's care.

Answer: Contact an insurance professional. They can advise you of your options and timing of making moves.

Answer: Seniors can enroll themselves and think they are saving. An agent that does it every day can help with choices at no cost. It's like getting a second opinion at no cost.

Answer: Plans can only be changed at certain times of the year. Ask a good agent, if you're not happy with your plan, what your options are to move.

Answer: This question is a hard one. First, check what's available for your ZIP code. Then choose the best option for yourself.

Answer: There are several ways to get dental and vision coverages. Dental and vision plans can be combined or separate, depending on the client needs.

Answer: Explain parts of Medicare and how the coverages work. Then explain options for coverages and their costs.

Answer: Most of my clients regret not having enough information about Medicare when making their decision, like the difference between Medicare Supplements and Medicare Advantage plans. Knowledge is power when making an informed Medicare decision.