Richard Moreno, Medicare Insurance Broker

Answer: You will have a agent that is local and will know most of that plans that will fit the client. I wil take the time to know you personally and help with any needs or questions that will come up. I will be your advocate.

Answer: A Medicare advantage plan with Imited Healthcare would cover both domestically and internationally. However you must use a hospital emergency room or an urgent care to be covered internationally.

Answer: The way you would educate someone new to Medicare is to go over a Medicare 101 presentation which will educate them on how Medicare works and showing them the different options they have including Original Medicare.

Answer: The one thing I would change about the Medicare system is to have all insurance companies to have the same prescription formulary. Sometime, it is a hassle for Medicare recipients to choose a plan based on their prescription needs.

Answer: Yes, Medicare does cover asthma and other breathing needs but there is a cost share for the service

Answer: Medicare will cover most preventive screenings if it is medically necessary and some at no cost and some with a 20% cost sharing for the screening

Answer: No, you won’t have to but it will transition from disability to aged Medicare. You will also have the option to change plans when you turn 65 if you want to. You will still have an Initial enrollment period for turning 65.

Answer: It depends on the company and plan they choose but most importantly it reduces their out of expenses for prescription drug coverage. There may be increase in copays and cost sharing in some procedures and less benefits in Medicare Advantage plans

Answer: Medicare Part B covers doctors, outpatient care, preventive services but it will not cover everything. You still need part a for hospitals and part d for prescriptions

Answer: It depends on your needs and also if you are able to pay 20% of all services covered by Medicare. You will need to get a medical plan to help cover the 20% but you need to be able to afford the premium which increase with age

Answer: Yes, Medicare will cover continuous glucose monitors that connects to smartphones and sap long as they meet certain criteria.

Answer: Medicare will cover smartwatches for health monitoring if it’s medically necessary and some Medicare Advantage plans will give you an allowance to pay towards a smartwatch

Answer: The biggest mistake that seniors make is enrolling in a plan that is not explained to them and also not understanding how Medicare works and options they may have to better suit their needs.

Answer: There are plans that do offer cards to use for food, over the counter medicine etc. Not everyone qualifies and it shouldn’t be a promise. You can complain to CMS- center for Medicare/Medicaid Services

Answer: Your Dental coverage is determined by the insurance company and the plan you pick. Some offer more coverage than others, if that is important to you than review the coverage before enrolling in a olan

Answer: It is not a bill. It is a summary of what was paid by Medicare and also your portion. Part of the reason is to check and see if there are any discrepancies and your are not being charged for a service you didn’t receive.

Answer: I approach bothe the same, I don’t assume they know everything about their options and how Medicare works. I make sure they are as educated as possible so that they make an educated decision and not a decision based on what an agent tells them.

Answer: Without a Medicare supplement you will be responsible for what original Medicare doesn’t cover. Ther is no maximum out of pocket. You pay a high deductible for hospital stays and 20% co-insurance. Extended care in a skilled nursing facility could lead to substantial out of pocket costs. Your premium for a supplemental will cover the 20% of what Original Medicare doesn’t pay and you will have less out of pocket expenses l.

Answer: No, you only get one social security income. You will receive the higher of the two incomes that you and your husband were receiving.

Answer: PPO’s generally don’t require a referral but It may mean you need prior authorization to see a specialist.

Answer: You will have to report the income change to social security. They will re-calculate for the surcharge to be dropped.