Patricia Graham, Medicare Insurance Agent

Answer: You can research a lot but it will only confuse you so getting with an agent that's seasoned that knows what they're doing that can give you good solid advice not steer you into what is best for them 6 months is plenty of time 3 minutes is plenty of time if you have reliable help

Answer: Medicare is a pretty good base coverage but you have out of pockets copays long-term care things that aren't covered You really have to know what you're looking at and be very well informed

Answer: I have been an agent for clients not the companies I care about if you have the right plan what can afford are you getting your drugs covered if you have an emergency can you afford you plan your own I look at everything I don't just say hey this is it sign here

Answer: I feel in some certain circumstances they can but when I'm finding after the changes to Medicare supplement companies no longer give you a guaranteed issue after the first year back into a Medicare supplement so think long and hard.

Answer: That is a no brainer a real person to look you in the eyes to know that they are there to help you with your needs and not their own just a phone call away of a robocall and a person on the other end that knows nothing about your state nothing who knows about anything about you absolutely not

Answer: It absolutely falls short there is no coverage for long-term care in assisted living unless you have no money

Answer: I don't know of a disadvantage besides the fact that it may cost more than a zero premium HMO but you have less consumer control and total reliability on the company to decide about your health care needs on a hmo

Answer: Affordability can you afford the $6,000 to $10,000 maximum out of pocket should you have a catastrophic event

Answer: Not necessarily somebody on one prescription certainly wouldn't want to pay $100 a month even if you get on a more expensive drug it works out in the long run to have a more affordable plan for most some people know most people yes.

Answer: I hope not I think there should be Medicare for all for profit companies have to make money how do think that happens? At the cost to the consumer.

Answer: Be sure you have a prior authorization not everything is covered they can get done hefty bills if they do not.

Answer: That they don't need to review their coverage just because they were happy with it last year. Especially when it comes to prescription coverage.

Answer: After your first year you would have to health qualify to move back to a Medicare supplement plan. Depending on your health will determine if you should stay on that plan.

Answer: Unfortunately in my 16 years I've seen it rise every year. Good news I have plans that can help you with those rising deductible cost.

Answer: Do you know what your plan covers? Do you have an agent to walk you through all the changes to Medicare? Have you reviewed your prescription coverage? Are you in old rates for what you are paying for your plan? Let's review your coverages.

Answer: You can go directly with company don't you feel it would be helpful to have someone to show you all your options? It doesn't cost you anything to have an agent to help you.

Answer: No of course not do you have an agent? Typically we cover all your out of pocket cost with the plan you choose so there are no surprises.

Answer: No it is killing my business relationships with my clients I personally service my clients for 16 years . Yes on those telemarketing ppl yes they lie and cheat.I am considering a change my clients do not want to be recorded. I love my clients and the love me. This is just more than I can take.

Answer: Premium savings to have a G vs a N sometimes far outweigh the cost of a G, you only have a have an annual deductible. There is no co-insurance on covered procedures and services. Plan N has an annual deductible and co-insurance as well as a 15% Part B excess charge. Rarely have I seen this with all the changes to Medicare, this could become a concern for some.

Answer: Some Medicare plans have a benefit, although they are for short-term traveling up to a year in some cases, after that, no.

Answer: Deductibles are annual except for hospital confinement, which is progressive. Co-pays are as you use the benefits.

Answer: That is based on your income level. You are responsible. You may also ask for an income review if you do not think it is right.

Answer: Depending on your State and the company, typically on a Medicare supplement, you can up your coverage as needed, as well as lower it.

Answer: Medicare supplements are month-to-month; an advantage plan is a yearly contract with the exception of a special enrollment period.

Answer: I this case, there would be fines associated with coverage that is not credible after the age of 65.

Answer: You will likely have expenses, depending on the insurance coverage you choose. There are limitations on hospital stays and skilled nursing facilities. There are co-pays on durable medical equipment if you require help at home, which would not be covered.

Answer: Medicare provides a list of covered procedures, which can also depend on doctors and insurance companies. I find this can be tricky for people.

Answer: Medicare covers the cost of medically necessary services. It will depend on the coverage you have. Some offer other benefits that Medicare doesn't cover under Part C advantage plans. If you are on an F plan, you have no other cost unless it is not a covered procedure. Advantage plans have a maximum out-of-pocket as well as co-insurance. Plan F is no longer available after 2020 for new people to Medicare.

Answer: Of course, issues arise, and you have options for extra help and or chronic conditions to open a special enrollment.

Answer: I feel it is very important to have a local agent you can address your concerns or questions to. Serving Medicare clients for over 15 years has proven to me how important it can be to the client to have a person they can rely on at any time who answers the phone.

Answer: Some Medicare supplement plans come with a 50,000 benefit with your coverage for out of country, or several Part C Medicare advantage plans also offer out of State or other country benefits.

Answer: Your client portal with your insurance carrier is the easiest way for you to look for a new physician or call the company and ask them to look for a new one for you. I always make sure my clients have a doctor when I leave a new sale appointment.

Answer: Freedom of choice, and in network physicians and hospitals. I find that for some clients, it is perfectly fine, as for others with more complex medical issues, they prefer to have a more robust plan to fit their needs.

Answer: If you spent 7days in hospital your portion would be 2450. 350. Per day up to 7 days after that no cost.