Rene Apack, Medicare Insurance Broker

Answer: I love Medicare questions and providing precise layman's terms so that all my clients are protected with the best available coverage.

I keep in touch with my clients every year regarding Medicare Prescription Drug Plans and Medicare Advantage Health Plans to ensure they are enrolled in the best plan with the lowest out-of-pocket costs. Regularly shopping for insurance keeps my clients in the best financial shape and provides them with a worry-free life.

Best wishes,

Rene Apack

847-917-4870

Answer: Medicare Advantage plans are paid from our deposits into Medicare during our working years. So, to be clear, all Medicare Advantage companies are paid from our money.

Each carrier may change its plans every year to attract and reduce the number of clients it has in the different plans. Some plans leave the marketplace, and insurance companies create new ones.

In order to attract clients, Medicare Advantage companies include dental, hearing, vision, and over-the-counter benefits, but some even back money toward the Medicare Part B premium (tax) that the policyholder pays every month.

Best wishes,

Rene Apack

847-917-4870

Answer: This question is over my head, and it has no bearing on today's volatile over-65 healthcare endured by our citizens.

I regularly see how people waste their hard-earned money by not shopping for their Medicare prescription drug plans and Medicare Advantage plans. They sit in regret until the next enrollment period.

Best wishes,

Rene Apack

847-917-4870

Answer: The short answer to the question is the one that no one likes. " I depends."

It depends on the Medicare plan that you currently own.

On the Medicare Advantage plan side, some plans have a deductible, but mainly, they have a copay that you and the insurance company pay.

Again, on the Medicare Supplement side, it depends on your own Medicare Supplement plan. Plan F has no deductible, whereas Plan G has an annual deductible of $257 for 2025, which is amortized over several doctor's visits, lab work, etc.

Best wishes,

Rene Apack

847-917-4870

Answer: I am very sorry that you kept the same Part D plan because you most likely overpaid out of pocket money that you did not have to.

Out-of-pocket costs change every year for all kinds of reasons.

It's in your best interest to shop your Medicare Prescription Drug Plan, Plan G, between October 15th and December 7th.

Get a Free consultation with me.

Best wishes,

Rene Apack

847-917-4870

Answer: Please STOP with the Media rhetoric.

Medicare is not going anywhere, ever. It's YOUR money that you paid into.

Relax, shop your plans yearly, and live worry-free by shopping with me.

Best wishes,

Rene Apack

847-917-4870

Answer: Your doctor knows the answer to that question.

Medicare will only pay if it is MEDICALLY NECESSARY.

There are preventive screenings that your doctor may order during your annual physical, and they would be free.

Best wishes,

Rene Apack

847-917-4870

Answer: Shop every year during Medicare Open Enrollement between October 15th and December 7th.

I offer a free consultation with no obligation.

Best wishes,

Rene Apack

847-917-4870

Answer: That's a perfect question. Many people have Medicare Advantage, and they love it.

If you do not want to incur yearly maximum out-of-pocket costs, you may choose to stay with Medicare and opt for a supplement.

Does that help?

Answer: Definitely, a Medicare decision that many people later regret is not to review either their Prescription Drug Plan or their Medicare Advantage plan. They find that once they enter a new year, their costs of medications are too high, or their doctor is no longer accepting their plan.

Answer: The biggest mistake seniors make when choosing a Medicare Part D plan is that they go by company names that they know instead of analyzing the whole marketplace, AND finding a PLAN THAT WILL ASK FOR THE LEAST AMOUNT OUT OF THEIR POCKET.