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.