Nick Mangini, Medicare Insurance Broker

Answer: We always advise getting Medicare + Supplement Plan because it will cover you 100% and eliminates most of your out of pocket costs! You can have the freedom to visit any doctor, specialist, hospital nationwide and no referrals. It's the absolute best coverage available! Medicare Advantage plans will never provide this type of coverage and you will have out of pocket costs and you will have networks to be limited to. Get a Medigap Plan and never think about it again!

Answer: You are responsible for the remaining 20% coinsurance FOREVER and there is NO MAXIMUM! This means you will ALWAYS PAY the 20% FOREVER! DO NOT just have Original Medicare! You need to get a Supplement Medigap Plan to cover the bills that can easily rack up! 20% of a $100,000 hospital bill is a lot of money.

Answer: Why do you only have Part A and not Part B? Do you not have any other coverage? You need to have Part B to cover the doctor bills portion since Part A only gets you a bed in a hospital.

Answer: You are not required to apply for Medicare at 65 but it is usually financially better to get Medicare and a Supplement Plan since the coverage is usually better than any group plan and it's all covered 100% with Plan G!

Answer: You need to speak to a real licensed agent who has the experience and have positive google reviews. You should always make sure your agent has an active license to sell and make sure you deal with an agent who provides their cellphone number so you get right back to them. The call centers are the bad ones!

Answer: You can talk to an agent who is familiar with the Part D drug plans and how to compare them. You also can go to Medicare.gov and compare them on your own. You should always plug the drugs into the system and look at the overall total cost on the year.

Answer: That is why Medicare Advantage plans are deceiving since most people get them because it's a low premium but we all know the saying... "nothing in life is free" and that especially pertains to insurance. I would highly suggest getting a Medicare Supplement plan because there are NO copays and everything will be covered with Plan G!

Answer: You always need to make sure your doctors are in-network on the Advantage Plan. Otherwise you will have to find a new plan that works for you or might need to find new doctors depending on what's more important to you. The best way to never have to deal with networks is to get a Supplement Plan instead! That is why we recommend medigap plans!

Answer: You are not required to change your plan if you have a Medigap Plan. However, your rate most likely will change due to your new residence in Florida now and it's always good to shop your coverage to make sure you have the best rate of Florida. Florida is much different than NY and I know this because I am a Florida based agent. Medicare Sharks would love to help you!

Answer: The coverage gap is the "donut hole" which was stopped in 2025. Your agent should have told you this and i also hope your agent reviewed your formulary and plan info before signing you up.

Answer: I have not found this to affect my work as an agent. I really can't answer this one that can help you.

Answer: You should most likely reach out to your state Medicaid department and SSA to find out about financial help and it's affect on Medicare.

Answer: Sometimes it's good but sometimes people get annoyed with constant texts/emails. Depends on the type of lead.

Answer: If you want dental coverage then just get a real dental insurance plan. You don't have to have Medicare if you don't want if you have VA.

Answer: You will not owe a penalty as long as you have creditable coverage that Medicare allows. Sometimes people do not know if there coverage is considered creditable and even the HR depts do not truly know if it's actually creditable coverage. Plus getting a Medicare Supplement at 65 allows you to get the lowest rate since it's based on age, gender and zipcode. I always suggest getting Medicare + Supplement Plan instead of keeping employer group coverage since the coverage is better on Medicare + Supplement and it's more cost effective long term.

Answer: I would hire an elder care attorney. This is not something most Medicare agents truly understand unless they are well versed in Medicaid law. Plus every state has different medicaid laws and rules.

Answer: According to Medicare.gov, COBRA is not considered creditable coverage so therefore you cannot go more than 63 days without proof of prior coverage in order to be guaranteed issue for a Medicare Supplement Plan (Medigap). You must get a plan now!!!

Answer: Medicare Supplement Plans offer the best coverage since it's 100% full coverage and you visit any doctor, specialist, hospital nationwide. Since Medicare Supplement Plans are standardized coverage by the federal government, it's the same coverage no matter what state you are in. Medicare Advantage plans are different since they offer difference coverage in different locations. This is because Medicare Advantage plans are designed to fully control the client and unfortunately the client does not understand that insurance companies are in the business to profit at the mercy of the client. I would choose a Supplement Plan over Advantage.

Answer: Prior to running my family insurance agency, I was a HS Athletic Director and Teacher; so being a former educator, I am now able to educate seniors about Medicare and provide the proper knowledge so clients can choose the best Medicare plan for their needs. As a faithful Christian, I believe that I was put on this earth to help people in times of need, so it brings me joy being able to help clients when they may be facing serious health issues and I can spread the message of hope and love of Jesus. I simply just love what I do!

Answer: What is the "REAL/TRUTHFUL" difference between Medicare Supplement Plan (Medigap) vs Medicare Advantage plan? What are the actual real pros & cons? What surprises/limitation would I have with an Advantage Plan vs Medicare Supplement Plan (Medigap)? Which provides the best coverage so I can have comprehensive coverage that will last me for the rest of my life on Medicare?