Misty Bolt, Medicare Insurance Agent

Answer: I have been doing medicare for over 20 years and I like that i can make it simple to understand. I like that it is job security because it is so complex.

Answer: PPO has more flexibility to go outside of the network. You can only go outside of Network on HMO in an emergency ONLY!

Answer: It depends on the county and zipcode that you live in. Also want to make sure the doctors and pharmacy on staff at CCRC are in the network of which plan you choose.

Answer: Yes the only way to get out of paying for Medicare is to have low income and qualify for Medicaid to pay the premiums.

Answer: They cover 190 days lifetime. Which means there is no more coverage after you have uses all 190 days.

Answer: Yes but we have to make sure the brand you are using is in network with your medicare plan you enroll in.

Answer: YOU HAVE A ADVOCATE ANYTIME YOU HAVE A CLAIMS ISSUE. IF YOU NEED ANY KIND OF HELP YOU HAVE A LOCAL NUMBER NOT A TOLLFREE NUMBER.

Answer: IT DEPENDS ON THE MEDICATION YOU ARE TAKING. OUR JOB IS TO A MAKE SURE YOUR MEDICINE AND DOCTORS ARE COVERED

Answer: IF YOU ARE TAKING YOUR SOCIAL SECURITY YOU CAN NOT. MEDICARE WILL TAKE IT OUT OF YOUR CHECK AUTOMATICALLY UNLESS YOU GO ONLINE AND CHANGE IT TO BE TAKEN OUT OF YOUR HSA.

Answer: IF YOU MOVE YOU WILL NEED TO TAKE A PLAN OUT IN THE ZIPCODE AND COUNTY YOU MOVED TOO. THE PLANS CHANGE AND MEDICARE MAKES YOU TAKE A PLAN OUT IN THE AREA YOU LIVE IN. I AM LICENSED IN 45 STATES SO I CAN HELP YOU IF YOU MOVE.

Answer: WE HOPE NOT. NO PROMISES ON THAT BUT FOR AS NOW YOU SHOULD NOT HAVE TO WORRY ABOUT THAT. THAT WOULD BE MILLIONS OF PEOPLE WITH NO HEALTH COVERAGE.

Answer: SOME COULD BE. AS FOR US WE ARE HERE TO EDUCATE YOU RATHER YOU PICK A PLAN OR NOT. IF YOU ARE NOT WORKING YOU HAVE TO PICK A PLAN OR YOU COULD BE PENALIZED.

Answer: IT DEPENDS ON EACH SITUATION. I NEED A LIST OF MEDICINE AND DOCTORS BEFORE WE CAN ANSWER THAT. BECAUSE EVERY SITUATION IS DIFFERENT.

Answer: The decision of when to start claiming Social Security is a personal one, but generally, waiting until your full retirement age (currently 67) or even delaying until age 70 can lead to a larger monthly benefit. However, early claiming at 62 results in a smaller, but potentially long-term, benefit.

Here's a breakdown to help you decide:

1. Full Retirement Age (67):

Benefit:

This is your "baseline" benefit, the full amount you're entitled to based on your work history.

Recommendation:

This is a good starting point to consider, as it balances potential lifetime income with a reasonable level of monthly payments.

2. Delaying to 70:

Benefit:

You'll receive "delayed retirement credits," increasing your monthly benefit by about 8% per year, for each year you wait beyond your full retirement age.

Recommendation:

This option is best for those who believe they will live a long time and want the highest possible monthly benefit in the long run.

3. Claiming Early at 62:

Benefit:

You'll receive a reduced monthly benefit, but you'll start receiving payments sooner.

Recommendation:

This might be a good option if you need the money sooner for immediate financial needs, if your health is a concern, or if you think you'll have a shorter life expectancy.

Factors to consider:

Your life expectancy: If you anticipate a longer life, delaying can be advantageous.

Your current financial situation: Do you need the money now or are you comfortable waiting?

Your health: If you have health concerns, claiming early might make sense.

Other retirement assets: If you have other retirement savings, you may be able to delay Social Security for a larger monthly benefit.

Your work history: The amount of your Social Security benefit is based on your earnings history.

In short:

Delaying to 70: The highest potential monthly benefit, but you'll receive it for fewer years.

Full Retirement Age (67): A good balance between a reasonable monthly benefit and lifetime income.

Claiming at 62: A smaller m

Answer: I would meet with a broker like me that has been licensed for over 20 years and does all the plans and is licensed in several states.

Answer: Medicare Part B can cover medically necessary outpatient occupational therapy for arthritis or mobility issues if a doctor certifies the need for it. There is no limit to how much Medicare will pay for medically necessary occupational therapy in a calendar year.

Answer: There are plans that are called PPO they allow out of network services. It may cost you more going out of network.