Raid Alemam, Medicare Insurance Broker

Answer: Yes if seniors miss the initial enrollment deadlines part b or pard d drugs missing the initial iep would trigger penalties .lack of awareness part d late enrollment would cause penalties.

Answer: It depends on the plan that’s why it’s recommended every year to review plan benefits and see what changes it’s up to the plan that’s available in your area. Also your plan might not be offered

Answer: Your ssi benefits do not change when you turn 65 years it will have another name from disability to retirement benefits monthly payment will stay the same until death after death any payments issued should be returned.

Answer: Yes going with advantage plans might reduce your out of pocket cost because advantage plans has maximum out of pocket not like original Medicare also original Medicare you are responsible for 20 percent they only cover 80 percent which can add up quite of bit to your cost.

Answer: Yes Medicare starting 2025 offers coverage for certain digital therapeutics health tools. Some Medicare advantage plans may offer coverage for general medication management or wellness apps.

Answer: It’s helpful for several reasons 1) is to make sure they understand and review annually their benefits 2) to confirm their choice and that’s what they want.

Answer: Well you would need to schedule a doctor office visit first step discuss your needs with the doctor

Next get a prescription for the wheel chair from your doctor then find approved Medicare supplier this will ensure you would not get more charged

Answer: You can ask your doctor to find cheaper generic or even brand name drug that can save you money using mail order pharmacy and asking your doctor tor about formulary exception, you can also use good rx to save high medication costs , you also can ask Medicare for extra help to help with drug cost.

Answer: If you are traveling domestic ppo has more flexibility how ever if you are traveling internationally you need to get more supplement plan because you have limitations when traveling internationally

Answer: Choosing Medicare advantage plan with low premiums with out knowing and understanding benefits and limitations

Answer: Yes Medicare advantage plans can save you money on premiums deductibles and maximum out of pocket . Also it has extra supplemental benefits such as dental , vision and hearing that you add on with low premiums.

Answer: Yes Medicare covers treatment for asthma conditions and also other respiratory conditions. Medicare would cover prescription drug and durable medical equipment such as inhalers c spam breathing equipment.

Answer: Fast aging seniors more population

Also more chronic conditions and higher cost more medical spending per member

Answer: Missing you enrollment period may cause a late penalty also you may qualify for special enrollment period to sign up for the part c advantage plans just depends on your situation.

Answer: No Medicare does not cover weight loss medication how ever Medicare might cover such medication if it’s used for fda approved conditions such as type 2 diabetes or cardiovascular.

Answer: In 2025 Medicate eliminated gap there is no more gap in 2025

Also your cholestrol medication would count toward your maximum out of pocket once you have reached maximum out of pocket spending your medication becomes 0 dollar cost to you

Answer: Part b covers Covid 19and flu, hepatitis b , and other recommended adult vaccines,pneumococcal vaccines.

Part d covers vaccines such as shingles

Tetanus,diphtheria and pertussis

Respiratory syncytial virus

And other vaccines recommended by acip

Answer: Missing deadlines for aep or missing to enroll in part d prescription drug not understanding the difference between original Medicare and advantage plans

Answer: By going online to the Medicare website to check if the plan is listed, if not, report a scam. Also, you can call 1800 Medicare and verify the plan name and benefits.

Answer: Yes that’s correct any time when part d plan changed the new one would have different formulary requirements and rules needs to look at your medications how they are covered.

Answer: No you do not have to pay taxes on Medicare but while you were working in past years they took from your check Medicare tax .

Answer: The 5 star advantage plan rating if it’s offered in your area it’s for special enrollment period from December 8 to November 30th it’s not an Oep or aep it’s special enrollment period .

Answer: You can save money by shopping for different plans and comparing quotes deductibles premiums and maximum out of pocket.

Answer: Medicare may cover health services if the ship on us water not international and it’s necessary medical services such as regent or emergency services and the doctor must be legally allowed to provide care on the ship.

Answer: You can have both however some concierge might not work with Medicare

And you would have to pay out of pocket for their bill.

and some might work with and bill Medicare but you still liable for deductible and coinsurance.

Answer: The best way is never give out their Medicare numbers or personal information to the unsolicited callers and contact Medicare to verify information. Also seniors can hang up for unknown Medicare callers and report such activity.

Answer: The difference between original Medicare and Medicare Advantage is

Medicare: Part A hospital, Part B doctors' visit, and prescription drugs run by the federal government, with no maximum out-of-pocket, requires a premium for Part B and may include Part D

Medicare Advantage is run by private health insurance companies. It covers original Medicare parts an and B, which offer more benefits such as dental, vision, and hearing, and covers part D prescription drugs. It may limit doctors' access to the network or require referrals. May have a maximum out-of-pocket.

Yes, it would help to speak to a licensed Medicare agent,

It depends on the insurance plans that are offered in your area. You can compare premiums, deductibles, maximum out-of-pocket, and compare to original Medicare.

Answer: The signs that it’s time for me to change my Medicare plan: 1) healthcare needs changed

2) prescription drugs are not covered

3) doctors , medications, and hospitals are not in network,

4) need new benefits

5) plan premium has changed

6) received annual notice of change

To review your options

1) annually

2) open enrollment period

3) special enrollment period

Answer: Not necessary but you may have saved money on monthly premiums but over looked deductible or copays such as doctor and specialist visit also copay for medications . So if you donot get sick may be you have saved and if you need medical services you probably would not be saving.

Answer: Part b with Medicare covers mammogram screening once every 12 month for women age 40 and older .

It’s recommended an x ray of the breast used to find signs of breast cancer before symptoms appear.