Ray McCauley, Medicare Insurance Broker

Answer: call social security and get your part B in place and send me a list of your drs and rx and let’s schedule an appointment to review all your options

Answer: several carriers offer zero premium plans for medicare advantage plans. they can do this because they get paid by medicare to coordinate your medical care

Answer: medicare does not provide long term care however i would suggest purchasing long term care now while your young to keep the premiums lower because they raise the older you are when you sign up for a plan

Answer: purchasing a medicare advantage plan because they don’t see the need to pay for a medicare supplement plan while they are healthy thinking they will buy a medicare supplement plan when they experience health issues but then no longer qualify for gauruntee issue

Answer: plan G because it it limits your out of pocket medical expenses to an affordable annual deductible set by medicare

Answer: a medicare supplement will but a medicare advantage plan would only help with emergency care and you would need to pay for that care up front then seek reimbursement from your health insurance provider

Answer: it is expensive and doesn’t provide quality care . plans are much less expensive than obama care and pre 65 plans

Answer: Number one is cost

every morning number two our Benefits I will help you navigate to Medicare minefield please call me 916-628-5244

Answer: go to medicare.gov and request your part b coverage then call me at 916 628 5244 there at important steps to follow and i will walk you through them

Answer: previously an individual would have unlimited out-of-pocket cost for their prescription drugs so there was ultimately no cap which could cause some people to go broke the new $2000 limit gives you a pen but don’t break situation where you know you have a maximum out-of-pocket of $2000 helps you budget yourself better and they will allow you to spread that $2000 out. If you are going to meet it based on your specific drugs you can spread it out over the whole year to lower your upfront cost.

Answer: If you can pass underwriting. Other than that you can only change upon your birth month if you reside in a birthday rule state.

Answer: Many are new to the system and are confused about their options. We explain their various options and put a plan together that meets their individual needs.

Answer: Most likely the office used the wrong billing code. We would suggest talking to the Drs office or the plan

Answer: Seniors may be confused about their options and thus procrastinate. The agent should fully get to understand the clients needs and discuss options with them

Answer: Stay on basic medicare . however we suggest looking at a medicare advantage which will cover more than just basic hospitalization as well as provide drug coverage.

Answer: the cost of going out of network is more costly. The ppo can allow some doctors to service you that may not have been available under a mapd

Answer: Part B covers tests like blood work, Mri s cat scans etc as well as physician charges by your primary care provider as well as specialists

Answer: once you reached the limit you no longer have the responsibility to pay medical expenses. different plans have different max limits

Answer: they are much lower out of pocket costs than having basic medicare. They also include prescription drug coverage which saves on rx

Answer: No its not fully covered. Depending on your plan you may have a deductible and will definitly have some type of co-pay.

Answer: Choosing a plan without understanding all the rules. Doing so can prevent you from having options of changing later

Answer: Your part B you have been paying goes to medicare. You most likely have part C as well as that which requires a copayment for service each time you use it.

Answer: Original Medicare, which includes Part A (Hospital Insurance) and Part B (Medical Insurance), generally covers inpatient hospital care, doctor's services, outpatient care, some home health and hospice services, and preventive services. It does not cover everything, such as routine vision, hearing, and dental care, long-term care in nursing homes, or custodial care

Original Medicare (Part A and Part B) covers:

Inpatient Hospital Care:

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This includes care in acute care hospitals, critical access hospitals, inpatient rehabilitation facilities, inpatient psychiatric facilities, and long-term care hospitals.

Doctor's Services:

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This covers most doctor services, including outpatient and some inpatient services, as well as preventive services.

Outpatient Care:

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This includes care received outside of a hospital, such as doctor's visits, lab tests, and some medical supplies.

Home Health Services:

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Original Medicare covers some home health services, including skilled nursing care and physical therapy, if certain conditions are met.

Hospice Care:

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Original Medicare covers hospice care, including pain relief, symptom management, and other services for terminally ill individuals and their families.

Preventive Services:

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Original Medicare covers a range of preventive services, such as flu shots, screenings for certain conditions, and annual wellness visits.

Durable Medical Equipment (DME):

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This includes items like wheelchairs, walkers, and oxygen equipment.

Original Medicare generally does NOT cover:

Routine Vision, Hearing, and Dental Care:

These services are typically not covered, although there are exceptions for certain conditions.

Long-Term Care:

Original Medicare does not cover long-term care in nursing homes or assisted living facilities.

Custodial Care:

This includes care that helps with daily living activities like bathing and eating.

Medically Unnecessary Services:

Services that are not considered medically necessary, such as cosmetic surgery, are g