Patrick Hecht, Medicare Insurance Broker

Answer: What I love most about being a Medicare agent is the opportunity to truly make a difference during one of the most important transitions in someone's life. For many people, Medicare is confusing and overwhelming, and, I get to be the trusted guide who brings clarity, confidence, and peace of mind. It's incredibly rewarding to know that each plan I recommend isn't just about coverage, it's about protecting someone's health, financial future, and quality of life. I take pride in being a reliable advocate who listens, educates, and ensures my clients feel supported every step of the way.

Answer: Some Medicare Advantage plans do have a $0 monthly premium, but that doesn't mean they're truly "free." You still need to pay your Medicare Part B premium, and there are copays, deductibles, and out-of-pocket costs depending on how you use your coverage. The $0 premium is a great marketing point, but it's important to look at the full picture, including networks, drug coverage, and the maximum out-of-pocket limits to understand what you're really getting. That is where working with an independent Medicare agent can help; someone who'll break it down and make sure the plan fits you.

Answer: Yes. A few things could have changed, even if you didn't switch plans. Medicare Part D plans update their formularies each year, which means the list of covered drugs and their tiers can change or shift. A generic that was in a low-cost tier last year might now be in a higher tier with a bigger copay. Also, preferred pharmacy networks can change, so if your pharmacy is no longer "preferred," your costs may go up. This is why it's important to review your plan every year during the Annual Enrollment Period to be certain you are getting the most out of your prescription plan and keeping as much in your pocket as possible.

Answer: This depends on your situation. If you're still working and have employer coverage through a company with 20 or more employees, you can usually delay/defer Medicare Part B without penalty. Many people in this situation choose to enroll in Part A since it's usually premium-free, and delay their Part B to avoid paying the extra premium while still covered at work. However, if your employer has fewer than 20 employees, Medicare often becomes your primary coverage, even if you're still working, so it's important to enroll to avoid gaps and penalties. The best move is to compare costs and coverage between your employer plan and Medicare. That is where I come in, I'll help you weigh all your options so you can make an informed decision.

Answer: A good rule of thumb is to review your Medicare plan every year during the Annual Enrollment Period from October 15 - December 7, even if everything seems fine. Things can change with plans, like premiums, drug formularies, provider networks, and out-of-pocket costs. Even small shifts in coverage or costs can add up, so it's smart to do a yearly check-up with an independent agent. I can help you compare your current plan with new options to make sure you're still in the best spot for your health and your wallet.

Answer: Not necessarily, a low premium doesn't always mean it's the wrong plan, but it does highlight why it's important to look beyond just the monthly costs. Medicare Advantage plans often trade low premiums for higher copays, coinsurance, or narrower networks. You might not have made a mistake, but rather picked a plan that doesn't match your current usage or health needs. The good news is, you're not stuck; there are review periods like the Annual Enrollment Period (Oct 15-Dec 7) and sometimes Special Enrollment Periods where we can re-evaluate your plan and potentially switch to one with more predictable out-of-pocket costs. I'd be happy to walk you through it and help you plan for next year, or explore options now if you're eligible.

Answer: I wish every senior knew that the "right" Medicare plan isn't the same for everyone. Rather, it's the one that fits your health needs, doctors, medications, and budget. Too often, people choose only on a low premium or a friend's recommendation without realizing that networks, drug coverage, and out-of-pocket costs vary widely. Medicare is not a one-size-fits-all, and a plan that saves someone else money could cost you more in the long run. That's why working with a knowledgeable, independent agent is so valuable. We take time to personalize the options so you don't end up with costly surprises.

Answer: Generally, Original Medicare Parts A & B does not cover dental services like cleanings, fillings, dentures, or dental implants. However, some Medicare Advantage (Part C) plans offer limited dental benefits that may include partial coverage for implants. Coverage varies widely, so it's important to check the specifics, including annual maximums, waiting periods, and which providers are in-network.

Answer: When someone is brand new to Medicare, I start by simplifying the big picture, breaking it down into four key parts: Part A (hospital), Part B (doctors visits), Part C (Medicare Advantage), and Part D (prescription drug coverage). I explain how each part works, what it covers (and doesn't), and how it impacts their out-of-pocket costs.

From there, I guide them through their choices: whether to stay with Original Medicare and add a supplement and drug plan, or to choose a Medicare Advantage plan that bundles coverage. I focus on what matters most to them: their doctors, medications, travel needs, and budget.

I also walk them through important timelines, potential penalties, and common pitfalls, so they can avoid costly mistakes. Every conversation is paced at their comfort level, using clear, everyday language. My goal is to help them feel confident, supported, and in control of their healthcare decisions.

Answer: One of the biggest misconceptions is that Medicare covers everything, and that is simply not true. Many people are surprised to learn that Original Medicare doesn't cover routine dental, vision, hearing aids, or long-term care. It also has deductibles, copays, and no cap on out-of-pocket spending unless you add supplemental coverage.

That is why understanding the gaps and knowing your options for filling them is so important. Whether it's a Medigap plan, Medicare Advantage, or standalone policies, there's no one-size-fits-all solution. Getting educated early helps avoid costly surprises down the road.

Answer: The worst decision someone can make is assuming they don't need to enroll, especially in Part B or Part D, because they're healthy or not using it yet. Delaying enrollment without qualifying coverage can lead to lifelong penalties and gaps in coverage when you least expect it. I've seen people hit with hefty late-enrollment penalties or denied certain services simply because they didn't have the right plan in place. Medicare is not something you want to just "wing it" on. The safest choice is to get informed early, understand the rules, and work with someone who can guide you through it.