Pratik Ray, Medicare Insurance Broker
Pratik Ray
Prinaya Insurance Agency LLC.
Medicare Broker Licensed in MA
Contact Details
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Location
Framingham, MA
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Phone
About Me
Hello, I’m Pratik—your local Medicare insurance agent. I specialize in helping you find the right Medicare plan based on your healthcare needs and budget. I’ll guide you through options from top national and trusted local carriers, making the process simple and stress-free.
Best of all, my services come at no cost to you.
Call today to explore your Medicare coverage options—and be sure to mention you found me on Medicare Agents Hub!
Q&A with Pratik Ray
My friend said she got a free annual physical with Medicare, but my doctor billed me. What's going on?
Answer: If you visit coded as physical exam vs. wellness visit, the Dr. office may billed for this service as Wellness visit is only covered free by medicare or during wellness visit other services may have done as well which may be the reason for billed by your doctor office. You should check with your doctor office and understand how they coded the visit.
Can Medicare drop me for health reasons?
Answer: Medicare generally cannot be dropped due to health conditions or use of service unless you are not paying premium or losing eligibility or voluntary disenrollment from the plan.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare agents are train and certified of their knowledge yearly by heal insurance companies hence they have most updated information regarding medicare rules and changes to plan understanding. The agent can also be helpful with answering questions and guiding you with enrollment process timely. They can provide ongoing support after enrollment and there is no cost to you.
I live in California but might move to another state next year. How will my Medicare coverage change if I relocate?
Answer: If you have original medicare (Part A + Part B)
Normally Coverage follows you wherever in the US
You can keep seeing providers who takes medicare in new state.
You have to update your address information with Medicare and social security office
If you have a Medicare Advantage Plan (Part C)
Medicare Advantage plans are county/ZIP-code based.
If you move outside your plan’s service area, you typically qualify for a Special Enrollment Period (SEP) to switch plans.
You may need to enroll in a new Medicare Advantage plan in your new state.
Doctor networks, drug coverage, copays, and extra benefits (dental, vision, etc.) can change significantly
If you have Medigap Plan
You most likely can keep your plan when you move states.
Premium may change depending on where you move
Certain states has different requirements such as Massachusetts, Minnesota or Wisconsin and requires additional consideration.
If you have part D plan
Standalone drug plan are regional
You likely have to compare plans because formularies changes
A move triggers special enrollment period to change plans