Paul Potter, Medicare Insurance Broker

Answer: Everyone is different. We all have different genes, needs, preferences etc. Your neighbor does not tell you what food you like, what investments to make and more. Tell them thank you for caring and your advice.

It is true that in Florida around 60% of people turning 65 get Medicare Advantage Plans, but that also means that around 30% get Medicare Advantage.

If you are uncertain about comparing options, I can provide a no obligation comparison specific to your needs and preferences.

Answer: It sounds like you are not comfortable with that agent and that does happen. Medicare covers your hospital stays and should you use more than 90 days, Medicare covers an additional 60 (lifetime reserve days). Of course, you pay for your first 60 days in your deductible then on a per day basis for the next 30 days and even more should you get to lifetime reserve days. Medicare Supplement plans help pay for these days AND ADD 365 additional days.

I hope this helps. If you would like to discuss, you can Email me at [email protected]

Answer: In Florida, nearly sixty percent of the people newly eligible for medicare have medicare.Advantage plans. Most stay on Medicare Advantage.

Answer: I like to look at parents and their health journey to help guide my decision. If they were healthy until 95 and you live a similar lifestyle, you may have more options. If you have had many health issues, you may want to start with a Medicare Supplement to get the piece of mind.

You can email me directly at [email protected] or call me at 321-346-9996 if you want more help in seeing comparisons and with your decision.

Answer: People who take expensive drugs that are addressed by IRA will see lower costs (this is less than 13% of the population). The rest of us will likely see costs increase in some way or another. It is actually just a math equation.

Answer: Depends on your needs. I would want to know if you have VA benefits or some employers benefits to start. Next, I want to know which plans cover your doctors and how much they charge for your drugs. Finally I like to compare the options so you can see the plans so you can make an informed decision.

If you would like to get help with these steps, please send an email to me at [email protected] or text me at 321-346-9996. I would be happy to help.

Answer: Medicare will adjust your Part B premium and Income Related Medicare Adjustment Amount (IRMAA) automatically each year. You can appeal their decision if you have mitigating circumstances.

I have a IRMAA schedule if you would like me to send it, please send an email to me at [email protected].

Answer: People pay into Medicare all their working life. If Medicare added younger Americans, who have not contributed for as long as others, would likely increase the cost for existing and new Medicare beneficiaries. I am sure you can get a different answer from who ever you ask, so this is my opinion. Many economists debate your big question.

Answer: Hospital costs usually exceed the amount Medicare Part A covers. That is why people often get Medicare Advantage or Medicare Supplement Plans. Further, if you only have Medicare, there is not limit of your liability.

If you would like to discuss further, you can email me at [email protected] or call 321-346-9996.

Answer: It can be confusing. You can call or send a text to me at 321-346-9996. You can also look at my profile at FloridaIndependentInsuranceConsultants. Com.

Answer: Medicare will automatically sign you up for Part A and B. I can help you with a supplement or advantage plan. You can contact me at 321-346-9996 or at [email protected].

Answer: Make sure you have

1. set up your SSA.gov account

2. Check which plans cover your doctors.

3. Check which plans cover your drugs.

4. Eliminate plans that don't include your doctors and drugs.

5. Compare Medicare Supplement plans.

I can help if you would like. You can call me at 321-346-9996 or send an email to [email protected].

Answer: Marijuana is legal in many states but not by the Federal government. Therefore Medicare doesn't include Marijuana as a category of drug for coverage.

We will see what happens in the future.

Answer: Medicare doesn't cover long term care. It does cover medical conditions while on long term care.

Based on the federal deficit, don't expect it to get any better.

Answer: Yes. The type of plan you have may have an impact, but generally, if you meet the qualifications for Hospice, Medicare covers most of those costs that meet Medicare requirements.

Answer: I recommend you make sure you have your SSA.gov account set up now, if you have not already set it up.

I recommend you start looking at the options that include your doctors and drugs.

3 months before the end of your current coverage, I recommend you apply for Medicare Part A & B.

You can call or email me if you want help.

Paul Potter

321-316-9996

[email protected]

Answer: In our area, most if not all hospitals accept Medicare Advantage Plans. It is easier for hospitals to play hard ball with insurance companies than with the Federal Government so I believe that is a big reason.

You should always make sure your advantage plan includes your doctors, hospitals and drugs before selecting that plan. If you want help, you can contact me directly.

Paul Potter

321-346-9996

[email protected]

Answer: You should compare both options to see which fits your requirements and needs. I can help if you want.

Paul Potter

321-346-9996

[email protected]

Answer: Only if you do not have insurance coverage from your employer. You should compare costs and benefits of Medicare and your current plan. If you want help, I am here.

Paul Potter

321-346-9996

[email protected]

Answer: Medicare covers cataract surgery. The surgery includes mono vision lens. You would pay for any upgrades if you request them m

Answer: The purpose of Medicare is to health insurance coverage. That does include hospitalizations, which usually do not last long, and skilled nursing, which we usually think of as rehabilitation services. These visits, also do not usually last long.

The purpose of Long Term Care is to help people maintain their quality of life and well-being, typically when they are unable to independently perform daily activities.

Long Term Care Insurance is the tool that is used to help manage costs for Long Term Care. This insurance is private insurance and requires an application and approval for coverage.

Answer: Many Medicare Advantage Plans offer significant discounts for hearing aids. The rationale is that: People live healthier lives when they are around other people. Studies show that we tend to withdraw from others when we can not hear. The idea is that hearing aids will help people be more active and around others and therefore better for the insurance companies too.

Answer: So glad you asked! One of the most underused tools in Medicare is your own account on Medicare.gov. It has tons of information for you AND you can request a new card from this site. Please make sure to set up your Medicare.gov account.

Answer: You are not required to add anything to Medicare A and B. However, I have 3 primary issues with the Medicare alone option.

1. Medicare does not limit your liability, which is to say that you could get hit with significant bills, EVEN THOUGH you have Medicare.

2. Medicare alone does not cover Prescription Drugs, which can get pretty expensive.

3. You may miss the opportunity to get a Medicare Supplement.

However, If you have a lot of VA Medical Benefits like CHAMP, I recommend only Medicare A & B because the other issues above are covered by VA.

Answer: AS the saying goes "A rose by any other name would smell the same". In short, the answer is yes. It probably depends on what someone was originally told and they held onto that nomenclature.

This is as opposed to Medicare Advantage, which sometimes is incorrectly referred to as "Medicare Replacement". Agreed, it looks like replacement to doctors and hospitals, but you MUST have Medicare Parts A and B in order to get a Medicare Advantage Plan.

Answer: Medicare will not force you into starting Medicare coverage. If you are content with your group plan, you can stay with it. I recommend you at least compare your options before deciding which plan to use. Also, if you stay with your group coverage, make sure to coordinate the start of your Medicare with the end of your group coverage.

Answer: Most plans require answering health questions if you have been in a Medicare Advantage Plan for more than 12 months. There are exceptions, but this requirement too often surprises, in a bad way, people that don't get all the information when they first start Medicare.

Answer: This is a really good question. If you were in your Guaranteed Issue Election Period, the answer is yes. If you were not, it depends. A critical element in all applications is to make sure that you disclosed this on your application. As you would expect, leaving such an important item off your application could cause the insurance company to drop coverage.