Nora Alishahi, Medicare Insurance Broker

Answer: Depending on the Medicare plans, there are different levels of coverage provided with the OTC cards.

Answer: When people want to do things by themselves, just listening to friends or family without contacting Agents and Brokers to help sort the best plans for their particular situations.

May generate unhappiness and dissatisfaction with the option chosen

Answer: Considering that you have the credits to qualify. You can start the process up to 3 months prior to your birth month. The plan will start the first day of your birthday, when you turn 65

Answer: Listen to someone that know. Let an agent or broker show you the different options to make an inform desicion. Every case is different!

Answer: You should look at your personal situation. If you don't need to claim SS sooner is better to claim it as late as possible to increase the amount you receive.

If because of health issues or any other circumstance, including budget you need that money you may have to claim it sooner.

Answer: This is the right moment to analyze if your choice worked for your particular situation. If not is time to contact a Medicare license agent to look into your situation

Answer: You need to consider what works in your existing plan, see what are the changes and look if there are changes affecting your coverage or you may consider changing to a more comprehensive plan. Always we suggest to work with a license agent!

Answer: Age of the advisor is not so important. You need to work with an advisor that is dealing with Medicare for more than 2 years at least and is part of a larger brokerage for support

Answer: Plans and details depends always on your state of residence. Minimal variations may apply , almost always there are minimal adjustments to yearly premiums

Answer: Usually, you need to pay the Dr. visit co-pay and tests are almost always covered, depending on the details of your own plan. Check with the agent that help you enroll or contact any other license agent that can help you with the details!

Answer: As an agent, we get information thru the carriers and other sources.

As a customer is better to contact an agent to give you all the updated information.

Sometimes advertisement may be confusing for the customers.

Answer: Sure, you need to see first who will be you local PCP and make the changes available in that new area to satisfy your present needs

Answer: Trying to enroll by themselves without asking someone that is licensed and can analyze their own situation and suggest the best plan for them

Answer: Before recommending anything I will suggest to contact and agent that can answer all your questions and see what coverage you have and what are the next steps to follow.

Answer: In some cases may help you. Each case is analyze individually to select the best option and give you the support that you need.

Answer: Before switching over, look what parts of your actual plan works in your actual situation and have someone help you add supplemental coverage to minimize you financial exposure

Answer: Always depends on the needs of the customer.

After doing a comprehensive analysis of the needs, that will narrow down the different options to assist you better.

Answer: Some Medicare Advantage plans include dental coverage, but the benefits can be quite minimal. As with all health needs, not everyone requires the same dental services.

For those who want more comprehensive options, there are stand-alone dental plans for seniors that may provide the extra coverage you need while helping you better manage your budget. Exploring these options may give you peace of mind and help avoid unexpected costs down the road.

Answer: Usually, the costs of medical trials are covered by the organization conducting the study. Your own insurance is not billed.

When a group seeks participants for a clinical trial, the sponsoring company or laboratory sets aside funds to cover the costs of the medication, lab work, and other related services. In addition, participants may receive compensation for their time and participation.

Unless you are the one requesting for a particular test. Always the insurance will cover what they deem medically necessary for a particular condition

Answer: Having the opportunity to educate my prospect and always guide them in the best direction that works for their needs and unique situation.

Answer: Always depends of the coverage the employer provides. You can delay if there is employer coverage otherwise is smart to enroll. All situations are different

Answer: Always look into your own needs to see if Medicare Advantage is the right fit for you, If the Advantage plan is not working for you, the main disadvantage will be to wait to open enrollment to go back to the original Medicare

Answer: As long as your disability is current in October, you don't have to apply. You may have more options when you turn 65

Answer: Only certain Medicare Advantage plans during Emergencies. Would be better to have a supplemental coverage for the everyday consultations

Answer: During AEP 10/15-12/07 . During OEP 1/1-3/31 . If you have a special circumstance and you qualify on a Special enrollment period

Answer: Medicare Advantages is provided by private health Insurances Co.

In some cases you make have better options

Answer: Depends how your actual plans cover that prescription. You can wait to AEP to make changes if needed

Answer: For domestic travel I suggest an advantage plan PPO that you can go anywhere in the USA. Remember for emergencies anywhere is ok. The same scenario is an emergency overseas. I don't think Medicare will cover regular visits overseas, there are other alternatives when traveling abroad

Answer: Make sure your existing plan works for you or changes happening for 2026, if there are things that are not working for you or you want to add, AEP is the best time

Answer: Sure you have to review ANOC with your agents. He/she will have all options available for to decide what better works for you.

Answer: Usually vision is covered. Depending on te plan that you choose, Plenty of options and supplemental alternatives

Answer: Medicare Advantage are free! As long as you have your partA & B active you can qualify for Medicare Advantage

Answer: Delay enrollment in Medicare is ok as long as you have some insurance.

Group insurance is a valid coverage.

Answer: So, if you switch from Medicare Advantage to Original Medicare during AEP, you can apply for a Medigap plan, but in most states you have to pass underwriting unless you qualify for a guaranteed right.

The only time that you don't need underwriting is when you originally apply.

There are always some exceptions.