Ray Rios, Medicare Insurance Agent

Answer: Agent-Broker are not permitted to charge clients for services. Medicare mandates that agents get paid by the Insurance Carriers, not Medicare Beneficiaries.

Answer: As far as Medicare Supplements or MediGap concerns, they are all relatively the same. 80%Government, 20% our obligation. Some deductibles or coinsurance may be paid. Do the math and see if it's worth paying a higher premium.

Answer: Medicare allows Sales Presentations and Educational presentations. They are not sales pitches as people think. If hosted as a Sales Presentation, certain requirements have to be met before an enrollment can be done.

Answer: Rules of Medicare are clear. As long as a beneficiary pays their premium, the insurance company is required to keep them active. If payment fails, then they call drop a client. Another issue may be if that company pulls out, then being without healthcare could create a SEP-Special Enrollment Period.

Answer: The Donut Hole is no longer in place since the beginning of 2025. The current True Out of Pocket is $2,000. In 2026, the Most you will pay is $2,100. Contact me.

Answer: When the AEP- Annual Enrollment Period is missed, a beneficiary with an MA/MAPD can elect a 1-time change during OEP-January-1 tru March-31st.

Answer: Number 1. No penalty to be worried about. #2. It all depends which company provides the PDP. Cost. Deductible. Premium. All factors come into play.

Answer: Pros and Cons. It's always the choice of the Beneficiary. Having someone locally always is convenient and beneficial as a local agent will know the market. At a distance, convenient if the client lives in a rural area.

Answer: Hi, Ray here. There is No Such Thing as Free. Zero $0.00 Copay describes it best. There are things that you can do for Prevention that doesn't cost, such as, Preventive Screenings, Preventive Vision, Hearing and Dental. Mostly, what are your needs?

Answer: Possibly, every plan is different. Talk to your agent. If you don't have one reach out to me. Ray

Answer: Every Medicare Agent are required to be licensed. Ask for the NPN National Producer Number of license number which can be verified on the State Insurance Department website.

Answer: Some Medicare Advantage beneficiaries do use the OTC Benefits, others are dismissal for the lack of computer usage, app usage or even knowing how to order their OTC. Companies keep these unused funds.

Answer: Medicare Brokers have an entity and have a broader access to companies and plans. Agents do as well, but some Agents limit how many companies they represent,limiting the help beneficiaries can get. Agents with less offerings tend to push what they get paid commissions on.

Answer: Medicare needs to control these commercials to help clients confusions. As is, Seniors get bombarded with calls, commercials and mailings.

Answer: The PDP Cap in 2015 is $2,000, but in 2026 it will be $2,100. Medicare mandates this to help Medicare beneficiaries be less impacted by Prescriptions expenses.

Answer: Have you contributed to Medicare Taxes for more than 20 years? Medicareorg website will give you the requirements you will need to meet. Every person's needs are different. Do you have an agent in your area?

Answer: Are you a qualified. Broker-Agent? Do you a Medical Power of Attorney? Let me know if you need help. Contact me.

Answer: If you meet with different agents make sure to ask with how many companies they are certified and licensed to sell for. This should guide you of how many options you will or will not have. Medicare.gov will provide you a list within your Zip code.

Answer: Medicare is not ta ki ing over. It's become an option otherwise we would have to pay much more for our medical expenses. Original Medicare is the 80/20 Rule.

Answer: Your heating aids may be covered; what may be different is the amount of allowance or copay-cost share. Your Agent should help you. If you don't, contact me.

Answer: When you move to a rural area, you are giving up access and variety. In other words your options are limited due to less population. Less availability.

Answer: The 2026 Maximum out-of-pocket for prescriptions changes to $2,100. Meaning if you have expensive medications, you will spend not more than $2,100 in a year. However, plans and formularies are different for each plan. Contact me if you have more questions or need my help.

Answer: The # 1 piece of advise to a Senior before enrollment is to have a concise Needs Analysis. This helps the beneficiary to clearly understand their need and how we as agents can help them best.

Answer: First step is to make sure your Medicare portal is established and that the application for the Medicare card is done, preferably before the month of birth. Contact me.

Answer: Why Medicare charges penalties and how to avoid making the mistake of not enrolling on time. Penalties are real. Having a local broker helps minimize the effects.

Answer: They don't take the time to provide all information necessary to make a solid Needs Analysis. This is a crucial factor.

Answer: This is a question that doesn't have a straight answer. It depends on each person's needs and coverage.

Answer: Most misconceptions are that everyone qualifies. Contact me if you have questions. I'm a Broker-Agent. That means I represent most companies.

Answer: Medicare or Medicare Advantage? Contact me. Every plan is different. Or are you on Original Medicare?

Answer: Short answer: No. It depends on the plan you are on. Contact me. You need to make sure they are in the formulary.

Answer: Short response. Contact me. There is a short window to enroll before penalties come into effect.

Answer: No, it's not true. Medicare is for medical needs. Life insurance is for replacing income lost. Contact me for a consultation. No obligations, no commitments.

Answer: Marketing Medicare is essential, but more restrictions should be applied to companies, not to agents and brokers who have direct contact with beneficiaries. Marketing shops be limited not to overwhelm clients.