Ranjit Badhan, Medicare Insurance Agent

Answer: Yes Medicare pay for chemotherapy but it depends on type of treatment and where you receive it.

Part A covers chemotherapy if you are admitted as an impatient

Part B covers outpatient chemotherapy

I’ve chemo given in a doctors office or clinic

Answer: No - original Medicare (Parts A &B) generally doesn’t pay for dental implants and dental care. Medicare is to cover medical and hospital care, not routine dental care.

Some Medicare Advantage plans may include dental benefits and might cover some portion of dental implants.

If you need help paying for dental implants, you might consider.

Dental insurance plans that cover implants

Dental discount plans

MA plans with stronger dental benefits

Answer: Not eligible because you are in US only for 4 years . 5 years continuous stay in US is necessary. After 5 years of stay you may be eligible but you you will be required to pay for Part A as you won’t have 40 credits of work .Your situation is considered delayed eligibility. You shouldn’t be penalized as soon as you become eligible after the 5th year.

Answer: I myself is a senior citizen and I know that Medicare is a complex system and all seniors must be educated in time so that they can take right decisions at a right time. They can avoid any penalties and can enroll themselves in the appropriate plans. As an agent ther is a potential of recurring income . It also give me a pleasure of becoming an educator.

Answer: Medicare does not cover this done if it is done on curiosity basis only because it was in your family. Medicare can cover it if you are going on a treatment and doctor recommended for this test,

Answer: It’s a perfect time to go for initial enrolment. It’s very important to know that your enrolment period lasts 7 months.

3 months before your 65 th birthday month

Your birthday month

3 months after your birthday month.

Enrolling before your birthday ensures coverage stars on time

You should enroll in

Medicare Part A (Hospital) usually $0

Medicare Part B (Medical) monthly premiums apply.

Do this now to avoid late penalties.

If you are still working you may delay Part B with no penalty

Answer: Yes HSA can pay Medicare Part B , Part D and Medicare advantage premiums but you can’t pay Medicare Supplement (Medigap) premiums. There are limits also applicable. Once you are are 65 or older , HSA withdrawals for Medicare related costs are tax-free.

Answer: If your doctor accepts that Medicare Advantage plan you can see the same doctor otherwise you can switch to new doctor who accepts that plan. Some plans allow doctors outside of the plan but for that you may have to pay higher fees to the doctor.

Answer: Yes many Medicare Advantage plans provide OTC cards and clients can buy over the counters items mainly drugs or food items , vitamins etc . Every plan has monthly limits and OTC cards work as debit cards and clients can buy permitted items from the designated shops or they place online orders.

Answer: Medicare is mainly Medicare insurance, not a. Long term care insurance. Medicare helps seniors in very limited ways. Medicare helps with Medicare care, but not daily care. Assisted living is considered custodial care, and Medicare doesn’t cover it. However, some state-specific rules may be covered under Medicaid rules.

Answer: No , rather it should be more relaxed so that all the eligible persons can get the advantage of the benefits

Answer: Medicare agent is experience in his field and is able to explain the benefits of the plan which is most suitable to your needs. Agent work in the best interests of the clients and a true friend to help the client.