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.