Nick Sarant, Medicare Insurance Agent

Answer: Yes it is. Both wife and I have N. She’s had multiple MRIs all were covered. N is a good plan. All you’re responsible for is your Dr copay and ER copay.

Answer: Not true. No dental coverage by Medicare. Some Medicare advantage plans offer dental. It’s not very good and some offer dentures cleanings and implants up to an annual limit.

Answer: NOT CONSULTING WIYH A LICENSED MEDICARE AGENT. WORKING WITH SOME RANDOM PERSON FROM A CALL CENTER. NOT CHECKING MEDICATIONS AND MAKING SURE THEIR PHARMACY IS PREFERRED. (IN NETWORK)

Answer: When you move outside of the service area of your current Medicare advantage plan you have 63 days to pick a new plan in your new zip code. If you have a supplement plan you don’t need to change since most of them are portable. You should look into a new part D plan however.

Answer: CHANGE HOSPITALS OR CHANGE MEDICARE PLAN. YOU ARE USUALLY NOTIFIED THAT YOUR PROVIDER IS OR WILL NO LONGER BE IN NETWORK,

Answer: ASK THE SENIORS WHO WAIT TILL THE LAST MINUTE LACK OF INFORMATION OR WHERE OR WHO TO GO TO. THEY ARE GIVEN RESOURCES, THAT MANY DON'T READ WITH ENOUGH INFORMATION TO MAKE AN INFORMED DECISION. (THE MEDICARE AND YOU HANDBOOK) FOR ONE THING.

Answer: IF YOU HAVE A MEDICARE ADVANTAGE PLAN WITH COMPREHENSIVE DENTAL, CALL YOUR DENTIST AND ASK THEM IF THEY TAKE YOUR PLAN. OTHERWISE CALL MEMBER SERVICES AND ASK THEM TO FIND A DENTIST IN YOUR ZIP CODE THAT IS IN NETWORK WITH YOUR PLAN

Answer: ONE WAY TO FIND OUT IS TO GO TO MEDICARE.GOV. PUT IN THE DRUG NAME AND STRENGTH AND LOOK AT THE PLANS THAT COVER IT AND THE COST. OTHERWISE, AN AGENT WILL HAVE TO DO THAT FOR YOU. NOT ALL DRUG PLANS ARE THE SAME, NOT ALL DRUG PLANS COVER THE SAME MEDICATION

Answer: No one’s income is tied to Medicare unless he make a lot of money. There’s an adjustment to part B and D for those with high income. If he’s above that threshold his premium goes up if he’s below it his premium drops. If he’s on Medicaid based on poverty level guidelines then he could lose his Medicaid, not Medicare.

Answer: Call your agent. Call member services. Review the summary of benefits. Nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

Answer: THERE IS NO TRAP nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

Answer: YES, READ IT!!. IT'S THE ONE AND ONLY THING YOU HAVE TO DO DURING THE YEAR, SO THERE ARE NO SURPRISES.

Answer: NOT PICKING ONE WITH A DEFINED NETWORK. HMO OR PPO, MAKE SURE YOUR DOCTORS AND HOSPITALS ARE IN NETWORK. THEY FOCUS ON THE GOODIES OFFERED, (DENTAL, VISION) RATHER THAN THE ACTUAL PLAN ITSELF, ALSO MAKE SURE ALL MEDS ARE COVERED.

Answer: ANNUITIES PROTECT YOUR INVESTMENTS, 401. IRA ARE SUBJECT TO MARKET FLUCTUATIONS. BY TRANSFERING YOUR MONIES TO A FIXED INDEX ANNUITY, YOURE PROTECTING THAT MONEY BECAUSE NO MATTER WHERE THE MARKET GOES UP OR DOWN, YOUR FIA IS PROTEDTED.

Answer: DEPENDING ON YOUR AGE, YOU SHOULD ALREADY HAVE A LONG TERM CARE POLICY IN FORCE. ITS A POLICY ONE TAKES OUT TO COVER LONG TERM AND CUSTODIAL CARE. MEDICARE DOES NOT COVER ASSISTED LIVING OR LTC.

Answer: You never signed up for Medicare. You were approved for SSI thru a disability. At 65 you’re automatically enrolled in Medicare Part A. You must enroll in part B. Otherwise all your Medicare entitlements will transfer over to original Medicare. I don’t think u ever had Medicare just SSI which is a monetary benefit. Unless on SSI for 24 months you qualify for Medicare.

Answer: I SUGGEST YOU CONSULT WITH AN ATTORNEY. YOU'LL NEED A DURABLE MEDICAL POWER OF ATTORNEY FOR HEALTH DECISIONS.

Answer: I WOULDNT. MOST MED SUPP PLANS ARE PORTABLE. YOULL NEED TO NOTIFY YOU MEDIGAP PLAN OF YOUR MOVE. YOU WILL NEED HOWEVER CHANGE YOUR DRUG PLAN, PARTD

Answer: YOU PROBABLY WILL OWE SOMETHING. CALL MEMBER SERVICES OR YOUR AGENT. IF ITS CATARACK SURGERY, ITS AN OUTPATIENT PROCEDURE IF ITS DONE AT A DR OFFICE VS AT A HOSPITAL FACILITY ITS CHEAPER, SO LOOK INTO IT AND LOOK AT YOUR SUMMARY OF BENEFITS

Answer: I WOULD RECOMMEND ONE. IT COVERS YOU OUT OF POCKET COSTS AND ITS AFFORDABLE. I WOULD RECOMMEND YOU LOOK INTO ONE.

Answer: IT USUALLY GOES OUT BY OCT 1. PROVIDERS DO NOT SEND OUT ANOC LETTERS. YOUR MEDICARE AND OR DRUG PLAN SENDS IT OUT.

Answer: HAVE AN AGENT YOU CAN TRUST OR READ UP ON MEDICARE THRU THE MEDICARE AND YOU HAND BOOK. MEDICARE.GOV IS A GOOD RESOURCE.

Answer: WHAT IS YOUR NETWORK CALL YOUR ADVANTAGE PLAN AND HAVE THEM LOOK IT UP OR CALL YOUR DR AND ASK BILLING IF THEY ACCEPT YOUR PLAN. IS IT VAN HMO OR A PPO

Answer: WHAT IS THE NAME OF THE PROCEDURE? GOOGLE IT. OR CALL MEDICARE 1-800 MEDICARE OR IF YOURE ON AN ADVANTAGE PLAN CALL YOUR PLAN

Answer: THE MEDICARE ADVANTAGE 5 STAR SPECIAL ENROLLMENT PERIOD IS SPECIFIC TO MA PLANS WITH A 5 STAR RATING. IT ALLOWS MEDICARE BENEFICIARIES THE ABILITY ENROLL IN THESE PLANS YEAR ROUND. WHILE AEP AND OEP ARE TIME PERIODS WHERE ALL BENEFICIARIES CAN ENROLL IN ANY PLAN.

Answer: Yes. Every year if you’re over 40. At no cost. Falls under preventative. Diagnostic mammograms are covered more frequently if medically necessary.

Answer: Your friend is most likely enrolled in a Medicare advantage plan. There are many out there with a zero premium. Chances are you’re probably enrolled in a Medicare supplement plan. If not I would shop around better.

Answer: No! A Medicare part D plan does for the most part and that depends on the blood thinner. Zarelto is one thinner that is covered. There are co pays that are required though. You must be enrolled in a part D plan though.

Answer: you have 63 days to enroll in a new plan. By moving you activated a SPECIAL enrollment period, which allows you to find a new plan in your new zip code.

Answer: Because of the limits of network plans. Some MAPD plans are PPO, HMO. PFFS plans. while original Medicare is a OFFS. Where you can go to any DR or facility that accepts Medicare assignment

Answer: Yes, but only for lower back pain. You are limited to 12 sessions in a 90 day period. If you show improvement additional sessions are permitted and covered.

Answer: Part A you get automatically. Part B you enroll yourself. Hold off until you lose employer coverage.

Answer: Medicare.gov allows you to input your meds and sorts them with the best plan by cost. From best to worst. Allies you to enroll by phone or online.

Answer: Some are some aren’t. An educational event is not. A sales event is more sales oriented and designed to get you to enroll.

Answer: They are subsidized by Medicare or the government. For every member they enroll they get a fixed amount of dollars depending on the health of the beneficiary.

Answer: You should qualify for Medicare based on your age and work years. Otherwise apply for medicaid. An advantage plan with a zero premium can help stretch the dollars.

Answer: See if you qualify for Medicaid or LIS. Your plan’s advocate can help you apply or call Medicare and apply over the phone.

Answer: Yes. Any and all prescriptions meds are included in the coverage gap. Including your annual deductible.

Answer: Be patient. Keep trying. Otherwise get the Medicare and you handbook for reference. Ask your agent or your plans member services number.

Answer: The networks. You never know what you’re going to get from year to year. No guarantee your Dr or hospital will be in network next year

Answer: No you cannot. You have 7 weeks and another 3 months to enroll. Make time. You can do it from anywhere

Answer: Medicare agents are trained and certified and knowledgeable and for the most part look out for your best interests. You are not trained or certified. They can shop plans for you that you cannot do.

Answer: Switch to a PPO plan. You must be on an HMO right now. Otherwise you’ll need to pay out of pocket. Or an HMO-POS. Plan.