Mike Henry, Medicare Insurance Agent

Answer: Answer any and all questions you may have. Help you get on track for all you needs. Medicare supplement Part D. Any questions about long term care

Answer: 1 800 Medicare Often times it’s a coding error by Dr’s office. Other times it’s a legitimate fraud. Anyway start with that number and check with your Dr’s office

Answer: Depends on your medications. You have to look at the overall total benefit to yourself Low premiums don’t necessarily mean it’s the best plan. Premiums plus cost benefit

Answer: I personally think celebrities should not advertise Part D plans. Just because xyz person says doesn’t mean it’s the best for you. Explore your options

Answer: Depends on what other benefits you have in place. If you have other coverage it could be too much. I’d have to have more information

Answer: Yes it does offer the same coverage as regular Medicare. It also may cover additional benefits. Consult your plan

Answer: Testing services. Also any additional procedures that may be required. Must be recommended by your Dr and Medicare approved

Answer: Yes it’s covers in Part A. Dr recommended and Medicare approved Usually doesn’t take long for approval

Answer: Make sure your Dr and hospital is on the advantage plan. Also how are your meds covered. Most advantage plans have prescriptions covverrd

Answer: Regular Medicare supplement any time. You must qualify medically. Medicare advantage 10/15-12/07. Doesn’t take effect till 01/01 of following year. With an advantage plan medication are normally covered. Also make sure your Dr and hospital you use is available. Agent should know

Answer: I would call 1-800medicarr. Also suggest calling your attorney. See what if anything he/she would recommend

Answer: File for Medicare part B, You have 60 days to apply for a Medicare Advantage or supplement plan.

Answer: Depends on who youre with. My suggestion is to find out who your dentist and Dr take. See if you can replace it when open enrollment comes up. There are some discount dental plans you can use during the meantime

Answer: As long as there isn’t any excess charges Medicare doesn’t pay. That’s a drawback of Plan N. May be cheaper but doesn’t cover that. That’s determined by Medicare

Answer: Coverage. Quality of the company. Rate increase historically. Ask your Dr office which they like best

Answer: Find another one. You’ll have to get a new referral from your Dr. or ask Medicare Call 1-800- Medicare for assistance

Answer: Mainly cost. Most advantage plans have little or no cost. Also no or low cost drug and Dr coverage.

Answer: Medicare part A only. If it makes more sense economically you might want to consider signing up totally for Medicare part B and D. You need to have a discussion with your employer

Answer: You’re kind of at the mercy of Medicare. What may be covered by one company is no longer covered. That’s why you have to be careful. As always consult your advisor

Answer: With today’s economy Seniors are looking more and more at costs Don’t make the mistake of substituting cost for coverage

Answer: Depends. Most detailed Medicare supplement plan available is F. Which is no longer available for people new to Medicare

If she has a Medicare advantage plan then it depends on the company and zip code. Her plan may or may not be available to you. Talk to her agent is my recommendation. Good luck

Answer: That’s up to congress and Medicare. Yes, I think everything should be equal. Some people can afford a Medicare supplement and some can only afford Medicare advantage plan. Depends on retirement income

Answer: Many limitations on Medicare advantage plz as that normal supplement cover. Testing Dr,s and other procedures

Answer: Dependxx as on your Part D. Reason you should review it every year. Check with your agent. Open enrollment starts 10/25 and ends 12/7 every year

Answer: Long term care. Most seniors think that Medicare will cover that. It will pay while in recovery from an illness or accident. Not extended care for like dementia or other problems.

Answer: Any insurance Agen who do worth their salt. It’s called getting to know your client. There are a myriad of questions that need to be answered

Answer: Check with the state board of insurance in your state. Every Agen has to pass a test to sell in his/her state. Interview 2-3 agents.

Answer: Their Dr s. Their hospitals. Everything has to be a referral. Zip code controls. May or may not cover some testing or drive a long way for one. If you have limited income might be your best option

Answer: If regular Medicare supplement a news zip code can change your premium

Now, if you have Medicare advantage then your plan may not be offered. If so then you need to look for a new advantage plan. They are zip code/county specific

Answer: Medicare advantage plans are designed for people with average to below average retirement income. They have a lot more deductible and copayments than regular supplement plans.

Answer: Got your dr’s office. Get them to refile for you. Make sure they pug the right medical codes in the request. A lot of times that could be the reason

Answer: Medicare Part A only. Also talk to HR to see if it makes more sense to go on Medicare fully from a financial standpoint. You’ll have to get a Medicare Part D for your drugs

Answer: Depends. How much retirement income? Higher retirement income should pro consider regular supplement. Not as many restrictions. Travels all ove DC the United States

Medicare advantage has some good and bad to it. It was generally designed for those with lower retirement income. Lots of deductible. Doesn’t travel well. Company can also quit Dr and hospital unannounced

Answer: Price versus total cost benefit. Just because a company may have the cheaper premium doesn’t mean it’s the best. A higher price Psrt D may cover overall drug costs better

Answer: Depends on the plan you chose. True supplement or advantage plan. Your agent should have told you which is better plan

Answer: I always feel face to face is better. More personal and get to know the Clint better. More than just Medicare needs to be discussed

Answer: Basically a lot of things. Which makes more sense. What fits into my budget the best. Are my Dr and hospital in it

Answer: Yes it will be covered by Medicare Part A. Medicare becomes primary and any other coverage you may have becomes secondary

Answer: Go to Medicare . Gov and put in all your prescriptions in there. It will bring up plans that are available to you. Don’t just choose cheapest price. Look at overall out of pocket plus pric.

Answer: Yes ax long as your fully on Medicare. Both Parts A&B. If still on employment plan subject to it’s deductible and copayments

Answer: Your agent should have checked that for you. Why did you change? What type of plan do you have now. You can’t change until open enrollment again this year.

Answer: Ask the agent. The company or your Dr’s office. If the Dr isn’t available under the new plan you might want to reconsider. Either stay with your current plan or find a different advantage plan your Dr does accept

Answer: Medicare covers the first 100 days of skilled care. It will cover you at home while recuperating from an injury

Answer: At least enrollment in Part A. I f still working that’s all. If retiring Part B and either a Medicare supplement along with Part D. If Medicare advantage only that. Make sure physicians are in advantage plan

Answer: Depends on your medication. Go to Medicare.gov. Fill out the information on your medication. Go from there

Answer: If you have a typical Medicare supplement no. The only difference will be your premiums.

Now a Medicare advantage plan is a totally different animal. Your current company and plan may not. Be available.

Answer: Go to medicar.gov. Fill out the information. It will give you your options. Find out which is best for you

Answer: Medicare doesn’t provide assisted living. That’s only provided through long term care. Also through certain life insurance policies

Answer: Are my dr’s and hospital covered. What about my meds. How is testing covered Is this my best option. Anything else

Answer: To cover your meds. Go to Medicare.gov to find out which plan is best for you. Compare premium to overall total cost. Cheapest premium isn’t always best option

Answer: Sometimes new treatments are different in the way Medicare covers things. Get your Dr to check into this. You never know

Answer: Are you keeping your company benefits. If so just get Part A. If not keeping benefits then file for Part B also. You also need to file for Part D. Medicare advantage is an option also. Just make sure your Dr takes it. Also your hospital

Answer: Depends. Are your de’s and hospital in the plan. Which way is best coverage. Advantage or true Medicare supplement along with Part D

Answer: Go to a website called Medicare.gov. Fill in your information. That will give all you need to make your best decision

Answer: You can either purchase a separate policy. Or some Medicare advantage plans may have them. You will also need to check if your dr and hospital are covered

Answer: Medicare supplement any time. If you’re just getting on Medicare go ahead and get a Part D. Medicare advantage is also available if just getting on Medicare.

If you’re just wanting to change your Part D or Medicare advantage then you have to wait for open enrollment. October 15 through December 7

Answer: You’d have to consult with Medicare maybe through your doctor. Everything has to be Dr recommended and Medicare approved

Answer: Anyone except your insurance agent or Drs office should not get any of your Medicare information. If they do report them to Medicare.

Answer: It should provided it was Dr recommended and Medicare approved. If there are any questions consult with your Dr’ s office. Make sure everything is properly coded

Answer: As long as it’s Dr recommended and Medicare approved. You have to go through the steps to get anything done with Medicare

Answer: Talk to your Dr to get it Medicare approved. Most standard vaccines are covered. Still never hurst to check it out

Answer: Happens with Medicare advantage programs. Usually the Dr quits accepting the company. Most times due to how insurance company ixx so paying or not paying

Answer: You need to talk to your Dr about this. Dr should know. Anything that you do must be Dr recommended and Medicare approved

Answer: Medicare advantage has many “traps”! Many deductible for many things. Dr can quit the plan usually because of non payment. Companies have been known to quit doing business in various regions.

Answer: No just on how they pay their bills. The care you receive is based on the hospital Dr and nurses. Has nothing to do with your plans

Answer: They already do. Part B cost is based on your income. Also some Medicare supplement costs are based on tobacco usage

Answer: No Medicare can’t drop you for health reasons. Neither can your supplement or advantage plan. If they do try call your state board of insurance

Answer: Depends on your financial situation. I’ve your well off get a high deductible plan. Usually Plan G. Also when choosing your Part D get the plan that’s most cost effective. Premium versus benefit

Answer: Yes usually you do. With most plans you go through medical underwriting. Be careful when doing ghis. They’ll look at your current situation plus past claims

Answer: Probably not. Some companies allow you to re-write your Medicare supplement. Lower costs but same plan. If not find another company. If your health is good enough you can get another company with same plan and benefits

Answer: Go to your Dr. see if they can help you. Make sure everything is coded correctly. Make sure the request for home health was requested properly

Answer: Full of deductibles and copayments. Company or Dr can we quit being used without letting you know. Doesn’t travel well

Answer: It must’ve Dr recommended. Then Medicare must approve it. Go through this process with everything. Only way it will work

Answer: Yes you have a 60

Day window. Either Medicare Part A and B. Along with a Medicare supplement. Also a Part D for your medication. Or a Medicare advantage as long as your dr and hospital is on it

Answer: If it covers your needs and fits your budget. Plans G and N are the 2 most popular. He k with your Dr as to who they might recommend also. Don’t forget to get a Part D for your meds need

Answer: Regular policy no.unless for non payment. Medicare advantage yes. Company may do or Dr. usually because of pay issues

Answer: Medigap policy yes at anytime. Providing you qualify medically. Medicare advantage only between 10/15 & 12/07 unless you’ve moved or company stopped doing business in your county

Answer: Most likely. Just make sure th Dr submits it properly. Any test has to be Dr recommended and Medicare approved

Answer: Most emergency services are covered. Check with your Dr or Medicare. Most emergency rooms know. Call 1-800-medicare

Answer: Many disadvantages. Your dr or hospital may not be in it. HMO’s can quickly myay not be available. Company may pullout or Dr may quit them. Usually because of money issues. Also full of copayments and deductibles