Payal Acharya, Medicare Insurance Broker

Answer: 1) Medicare agent can help you compare all plans with pros and cons to decide the plan that works for you.

2) Agent can be your one stop resource to find all the answers to your Medicare related questions.

Answer: Many Medicare advantage plans have Zero premium plans.but still have copay’s , deductibles. It varies by plan

Answer: In order to answer you properly, If you are also on Medicare, I do need some more information about your visit.

But just check the following things to start with.

- Is your doctor accepts Medicare?

- what Medicare plan do you have. HMO or PPO?

- Is the doctor in your plan network?

Feel free to reach out to me if you want 1-1 conversation.

Answer: Annuities play a crucial role in retirement planning by providing a predictable income source and may protect against outliving savings. They can supplement other retirement income sources, protection against market volatility and provide lifetime income, helping retirees manage their expenses and achieve financial security.

For more details please reach out to me.

Thank you

Payal Acharya

Answer: When seniors do not get original Medicare and part D when they first become eligible and do not have creditable coverage also in that scenario when they decide to sign up for Medicare later they end up with penalties for both.

Answer: If it is an HMO plan , you will end up paying all cost if you decide to see out of network provider.

Answer: Most Medicare Advantage plan do have comprehensive dental coverage. But it depends on the plan as well.

Answer: Original Medicare covers 80% , while 20% will be your responsibility . This 20% can end up being a huge burden. Plus , you need to get Part D coverage also. Dental, vision and hearing are not covered by Original Medicare.

Please reach out for more details.

Answer: Non payments could be one of the reason. But I need more details in order to give you appropriate answer.

Answer: You need to get separate supplementary plans for dental and vision with Original Medicare OR you can consider getting Medicare Advantage plan which includes Dental, Vision and Hearing coverage. Many Medicare Advantage plans offer those extra benefits .

Answer: Medicare Advantage plans are offered by private insurance companies. At a bare minimum, they have to cover everything that Original Medicare offers.

Answer: Original Medicare will only pay 80% of the cost ,the rest of the 20% remaining will be your responsibility. This 20% can add up depending on the health condition. Also, you still need to get a stand alone Part D for your prescriptions.