Pat Papson, Medicare Insurance Agent

Answer: Hello..

There are quite a few answers to this questions.

Are you just turning 65? If so, no you cannot be denied. If you just want to change your current plan? If so you could be subject to medical underwritting..

My advise is to contact a trusted Agent, who can review your options.

Thanks for your questions..

Answer: Congratulations.. although Medicare does cover hospital stays.. There could be co-pays.

Everyone's personal situation is different.

My advice is to contact a local Agent to review Medicare coverages, since there are more options available to cover co-pays, buying Supplement or Advantage Plans..

It's getting a bit complicated, that was always trusted Agent will help you navigate this system

Have a Lovely Day

Answer: Thank you for the question..

As a local Agent, i. My area for over 45 years.

I make it my honor to help anyone, who calls or referred to me, to provide the Best possible, service, and advise that is in they're best interest,not mine.

Very often I receive no financial benefit, but knowing I always do the right thing for clients is benefit enough..

Thank You Again

Answer: Thank you for the question.

Yes you can still get Medicare if you have not contributed to the program.

There are some qualifying events, one is you will have a premium.

My best recommendations, is find a local Medicare Agent, to review what you would need in your particular situation.

Hope this helps..

Thank you

Answer: Hello..

Sometimes Meficare sends the Medication card. Or you can call Meficare 3 months before your 65th Birthday, and if you choose a Supplement or Advantage Plan, it could be made effective on the first day of your Birthday month

Thanks.. Hope this information answered your question.

Answer: Hi..

After doing this for so long, there are question I ask, to help me and the client decide which plan works for them..

This includes income, and health.. Since a Supplement provides one of the Best plans, if you definitely want to go where you want for your health care, but then, hearing, vision, dental and Prescription are coverages not usually in a Supplement plan. And Supplements usually increase in price annuallt

I absolutely try my best for the plan to fit the clients needs..

Thanks for your question

Answer: Thank you for your questions.

Unfortunately there are many different Special Needs plans. Some depending on certain health issues, some financial, and many combine both. And different counties and areas have different plans available.

Best i can advise is contact your Agent, or find a local Agent you trust and do a face to face meeting.

Sorry my answers is vague, but too many variables to give a direct answers, not knowing all the specifics.

Thank You

Answer: Hello.. usually not, but depending on your plan, you may have some co-pays until your out-of-pocket expenses are met. The number of hospital visits doesn't matter; it's your out-of-pocket that does..

I personally have carried an Aflac policy that I've had for years, and there is some hospital coverage on that plan

You can check with your local Agent.

Hope this helps

Answer: Thanks for the question..

There are different options on different plans.

The Best recommendation is to contact an Agent in your area, who can review the options you have..

Thank you

Answer: Good Afternoon

Each county makes decisions which plans to offer

So, Yes please contact your local Agent, or your company directly to make sure your plan is offered in your new county..

Have a great day..

Answer: Hello, most hospitals do accept Medicare, and also other plans, as supplements and Advantage Plans

If your are not sure, just call the business office

Thank you

Answer: Thank you for the question.

I'm sorry, but I reallybdo not know the answer to your question.

Are you questioning if you get a reduction on your part B? If your wondering about the Advantage Plans, there are some good one, if your Medicare and Medicare.

Again sorry, that I cannot give you the information you requested

Answer: If you have Medicare only. There coukd be many gaps in coverage.

The biggest pitfall of only Medicare is the co- payments, which could be up to 20%..

I'd suggest you contact a local Agent and expore the different programs in your area.

Hope this helps..

Answer: Hello

There are many different programs that help with lower income, and then People who are on Medicare/Medicaid.

Also for special Heath Condition

Check with your agent, to see quality for any of these type of plans in your area..

Hope this helps..

Answer: Goodmorning

Your are correct in a way..

A Supplement is and extension of Medicare, Supplements Medicare, but an Advantage is basically separate insurance from Medicare.

Best to check with your local Agent for all the details

Hope this helps.

Answer: Good New. Year!!

You of course can call the company directly.

Or call your agent directly too.

Hope this helps.

Answer: Good Morning..

I'm a bit confused by your request.

There is no trick" to Dr's in Medicare.

Sometimes they are excluded on the Doctor localor, and then corrected.

You can always call any Dr's office and confirm if they accept Medicare

Hope this helps..

Answer: Good morning. There are various options for Special Elections.

Loss of Employer Coverage is definitely one. There are certain limits, so please contact your Agent to find the plan that works best for you.

Thank you

Answer: Hello..

There are a few ways to check.

1. Call the Dr's office and see if they participate in your plan.

2. Call your company directly.

3. Call your local Agent.

Hope this helps.

Answer: Absolutely, you will be penalized..

At least enrollment in Part A. Which is free.

Do you have creditable Medical coverage after your 65?

Best to find a local Agent to walk you through all your options.

Thank you

Answer: Hello

Yes those RX cards work with your plan.

Sometimes it is less expensive.

And it does not affect your RX plans

Hope this helps

Answer: Hello

Many plans have great coverage for mental health, in person and telemetry

Best to find a local Agent to review our different plans

Hope this helps

Answer: Good Morning. Depending on your current plan, Supplement or Advantage

There are specific times with the ability to change

Please contact a local Agent. Or your company directly.

Hope this helps.

Answer: Goodmorning

Thanks for your question.

As an Agent and a over 65 person, I find no disadvantages in a PPO, you have lots of flexibility as to choice of Doctors.

Where as HIMOs have more restrictive rules..

Hope this information was helpful.

Answer: Good Sunday Morning..

No, Traditional Medicare does not cover Vision.

If you have a Supplement, you can buy Vision Care on line, and most agents can navigate you through the buying process.

On the other hand many Advantage

Plans offer vision coverage as part of they're plan

Of course eash county has different offers.

Please check with your local Agent to find the best product for your needs.

Hope this information has helped.

Answer: Hello..

That is a big question..

The Supplements are the best plan, especially G.

It does get expensive, but if you have any underlying health issue, it might be best to keep.

But there are quite a few variables to consider..

Please contact a local Agent who can review the in's and outs based on your personal preferences.

Hope this helps

Answer: Hello..

Absolutely enroll. Sometimes they automatically enroll you.

Part A is free, as long as you have creditable insurance, you do not need to enroll in Part B, until you lose that coverage.

Hope this helps.

Answer: Hello..

Since I am familiar with this situation, most plans cover certain implantable devices.

But best to call your Agent, or your company directly to double check your particular coverage, and if there are co pays.

Hope this helps.

Answer: Hello

Since most agents are very adapt in the products they sell.

It is so much easier then you having to navigate these muddy waters alone.

Hope this helps..

Thank you

Answer: Hello..

Most rehab, is covered under plans.

Contact your local Agent, and or your company.

Hope this helps

Thank you

Answer: Hello..

Depending on which tier, that determines the price.

There are some coupon companies who help, example Good RX, whis is free.

Also depending on your financial situation occasionally the Drug Manufacturers help.

Hope this helps..

Thank You

Answer: Hello.. so sorry about that.. Each plan has specific coverage.

Do you have a local Agent you can talk to face-to-face? Or call whoever sold you the plan.

If it were an open-enrollment situation, you still have until December 7th to change it.

Hope this helps

Answer: Hello, absolutely not, if you feel comfortable with choosing your own plan

You can call the different companies directly, and they have licensed agents who can help navigate there programs.

But a local Agent that you trust, can walk you through the plans available in your area.

Good Luck

Answer: Hello... no, Medicare itself doesn't pay for groceries.

There are some advantages plans that offer extra help, some with paying part B premiums, and or utilities.

The best option is to call your Agent, or call to see if you are entitled to any Food Stamp programs.

Good Luck

Answer: Hello

Absolutely, each state and county has different plans.

Also there is a time restriction on obtaining coverage, so you won't be subject to a penalty, or have to wait for an open enrollment period.

Dont delay..

Answer: Hello.. Guaranteed issue is when you're turning 65, or leaving a plan that was creditable coverage, as company health insurance.

Hope this helps..

Answer: Hello, are you absolutely sure the cardiologist is not in the network?

Are you just turning 65? If so, maybe Supplement would work. Are there no restrictions on physicians? If not yet, you will pay an put of network fee.

Your Agent should be able to tell you what your percentage will be.

Thank You

Answer: Hello,

Each year, counties and insurance companies determine which Medicare Products will be sold.

I take an annual compliance exam call AHIP that will cover those companies in the area I sell. They also have annual they're annual refresher courses.

I try to determine which one will be to the best advantage of the client's needs. Not one plan is a perfect fit for everyone.

Thank You

Answer: Hello.. since I've been in the insurance e business since 1984, I absolutely love being able to take the mystery and confusion out of insurance.

Thank you

Answer: Hello,

If your ate unable to provide creditable prior coverage.

You will be charged a penalty for as many months that you didn't have coverage

This is determined by the government rules.

Hope your able to provide that coverage

Answer: Hi..

Usually people who have been on disability for two years or more, and them people with certain health conditions.

Hope this helps..

Answer: Hi..

My best advice is you need to check with either your local Agent or Medicare directly.

Hope this helps..

Answer: Hi.. There are some changes. My best advice is to contact your local Agent to see if they apply to you and your plan

Hope this helps.

Answer: Hi..

So many options.. Find a local Agent, that you can trust to visually see the program available.

I recommend you find a good local Agent.

Answer: Hi? I love being a Medicare Agent.

Each person has unique issues. Fortunately for my Agency I represent many different companies, so I usually have a solution.

I do also live in a small town, so there are not as many programs available as in larger Communities.

Answer: Hello.. I'm sure that is so very concerning.

Right now November 8th until December 7th is open enrollment...

Please find a local Agent, and you should be able to secure a plan.

Good Luck..

Answer: Hello,

I've been an insurance Agent for 45 years. I just treat people by the Golden Rule, treat others as you want to be treat.

I am fortunate to have a gift of '

"GAB' and easily relate to people.

Plus, i know my business..

Answer: Hello.. every year certain companies change plans, and sometimes change plan they offer in different counties

If that should happen in your community, you will have ample to time to choice another plan.

Just contact a local Agent to help navigate the best plan for you.

Hope this helps..

Answer: Hello,

Everything seems so confusing now, everyone just has an opinion, that makes us all confused.

For right now, as far as I know only cuts, are for Medicaid fraud.

I wouldn't worry for now

Hope this Helps

Answer: Hello..

As there are no real answers to your question.

I will give you my personal opinion. From what I am hearing, I doubt Medicare will be privatized any time soon.

Hope this helps

Answer: Hello..

You can either go online and request a new one, or call the Social Security office.

Although with the shut down, not sure if it's open, or how long you'll have to wait..

Hope this helps

Answer: Hello.. DO you have a local Agent? Are you taking your Social Security?

It maybe when you signed up, it was not specified that you wanted Part B taken of your Social Security..

Unless you have a plan that offers some rebate on your Social Security, the monthly is 184.50, and in January going up to 206.50

I'm not sure if the Social Security office is open due to the shut down.

Hope this helps..

Answer: Hello..

Sorry your plan doesn't cover much dental.

Since each county has their own plans, I'd advice you contact a local Agent to discuss some options for more dental

Coverage..

In my community you can purchase additional Dental coverage.

Hope this help.

Answer: Good .Morning

I represent several companies, and they all sent "Notives" of change for the new year.

You can also check with your local Agent, they usually gave a supply of the new Programs.

Hope this helps.

Answer: Hi.. yes I understand how this part of planning can be stressful..

I suggest you find a local Agent who knows what plans work best for your Mom. In your area.

Usually a qualified agent can take most of your stress away.

Don't put this burden of yourself, let a qualified Agent do it for you.

Good Luck..

Answer: Hello..

You will have a short amount of time to replace your plan. Each county and States offer different plans.

When you decide on your new location, find a local Agent who can make that transition easy..

Good Luck

Answer: Hello

Best advice is to contact your agent, if you don't have a local Agent you can contact the Nedicare Hub for a local Agent

I don't recommend some of these TV 800# since it's best to find one who services your area.

Hop this helps..

Answer: I've been on the insurance business for over 40 years.

I love helping people decide whichplan is best for them, and especially if we can give them better coverage and at a lower cost.

Plus being a senior myself. I love pur

Interaction

Answer: Good Morning,

Are you talking about Original Medicare?

Or with a Supplement or an Advantage plan?

Original Medicare has a plan deductible and co-pays.

Best to check with Medicare before you have your tests, so you are not surprised with the costs.

Answer: In my experience, not checking if your Prescription are covered, but especially the cost.

Best option is to call your local Agent, who is familiar with plans and costs in your area

Answer: Good Afternoon,

My personal experience, is that as you get older, the cost does increase.

For financial concerns, and when the premium for the Supplement is larger than the co-pays, your choice may be to consider a Medicare Advantage plan.

Answer: Each company is given a Star Rating.

The best option is to contact a local Agent, who should be able to provide the company they represent its Star Ratings

Answer: Medicare is not mandated to provide the same coverage your employer is providing.

It is best to consider a local Agent to review possible "gaps" in coverage. And to make sure your plans fits your personal needs, and concerns

Answer: Each plan does have certain co-pays for different procedures.

Best to check your options with your agent to find a plan that fits your needs.

Thank you

Answer: Best to check with the Social Security Department.

You can call they're office or drop by your local office

Answer: Good Morning

Each hospital and Dr's have a choice what plans they choose to accept.

The best option is to check which facilities take your plan..

Answer: That is such an open ended question, since each area, states and counties use different carriers.

My opinion would be,it would reduce health cost by being proactive. Eliminating health issue before they become severe, or "nip" them in the bud.

It will be very interesting to see this come about.

Answer: The best option would be to discuss your

concerns with your Agent.

There many be something available that can help you with this situation

Answer: There are many different opportunities to discuss which plan is best for you.

Also certain situation, like moving out of an area, changes in employment, and or health will open more opportunities ti discuss the Plan best foe you

Answer: Yes, I can work with you, and we can determine how to proceed.

This will how you determine which plan works best for you.

Answer: Yes, there are concerns about future benefits.

This has been a very political issue.

Hopefully it will be resolved, so those when ready will have the same opportunities.

Answer: This again would be best discussed individually.

There are so many possible situations and solutions.

I'd be happy to review options with you.

Answer: As many of you are aware, there was something called a "donut hole". Which meant you had to pay large portion of your drugs, when you reach a certain threshold.

That has been eliminated, make Prescriptions more manageable.

And now there are payment plan opportunities to help with the costs.

Answer: This is a great question. So easy to not have to leave your home, and get expert medical advice.

And an added Bonus, usually no copayment

Answer: I can certainly understand wanting to find a different plan.

It is so easy for me to make sure your Physician takes the new plan.

Answer: There are many rules, and regulations about going from an Advantage Plan, back to a Supplement.

The best option is to meet and discuss your individual situation

Answer: There are changes every year, and each situation is unique.

The best option is to discuss your individual issue.

Answer: There are again, not just one straight answer. The best option is to meet, either in person or by phone and we can discuss your concerns

Answer: This is a very open ended question. One response will not fit all scenario. This is also a one of. One answer..

Answer: There are so many different answers for this question, not just one rule of them. I can work with the Employer and determine which direction we need to take.

Answer: Yes,I have tools to review your prescriptions, and determine if they will be covered. Then what options you have to find the best prices

Answer: This is precisely why it's advisable to have a local agent. I can review potential gaps in Medicare, and help you with ways to fill them.

Answer: I understand how overwhelming this process is. My promise to you is I will help you navigate the process, to help you make the best decision.

Answer: At this point, I am not familiar with an AI option for early detection. But I will research any question you may have, and give you my best professional answer.

Answer: There really isn't a

Clear answer, without knowing you, and what your needs, and concerns are. Each person is unique and I try to identify your exact need.

Answer: Local Agent know your area and market.

We care personally about you, and can help you choose the best plan.