Rob Campbell, Medicare Insurance Broker

Answer: Your maximum out of pocket for Part D drugs is capped at $2100 for 2026. In addition, you can set up a payment plan that will allow you to average your drug costs monthly.

Answer: I enjoy the opportunity to meet people from all walks of life and providing information specifically tailored to their situation. There are many variables that need to be taken into consideration when making a recommendation.

Answer: Yes, Medicare plans can vary not only from state to state but county by county. There are multiple factors that play a role in how Medicare Advantage plan benefits are included in the plans.

Answer: Find a Medicare agent in your area who is appointed with multiple carriers. Ensure that they have several years of experience at a minimum. Compensation to the agent is the same regardless of the plan recommendation so the agent should make recommendations based on what is best for you

Answer: If you are still working and have credible group coverage or are covered by a spouses group coverage, you are not required to enroll in Medicare. If you do not have group coverage, and you choose not to enroll in Medicare, when you turn 65, you will pay a penalty if and when you do enroll in Medicare

Answer: Typically, unless you are in the guaranteed issue timeframe, which is a seven month window surrounding your 65th birthday, you will be required to answer health questions.

Answer: Working with a local agent will give you the opportunity to speak to an agent who knows not only the plans in your area but also the strengths and weaknesses of them. A remote agent will more than likely go to Medicare.gov, find a plan and recommend it without knowing anything about the plan other than what they can see online.

Answer: Medicare as an entity does not cover dental. Your dental coverage is an additional benefit provided by your Medicare advantage carrier. Most of the insurance companies that offer dental will have a provider page you can find online that will list all of the dentists in the area that accept your plan.

Answer: You have several options available to you. The Medicare annual enrollment period is October 15 through December 7. There is another enrollment. Called the open enrollment period which is January 1 through March 31, which allows you to change plans if you are on a Medicare advantage plan. There is also a year long enrollment period for plans that rate Five stars.

Answer: Yes. All Medicare advantage plans are required to provide all Medicare procedures currently covered by Medicare.

Answer: You should meet in person with a licensed and certified Medicare representative who can explain how Medicare works. They should explain to you all of the parts of Medicare, what they cover and what they don't.

Answer: Medicare advantage plans that have received a five star rating from Medicare have the ability to enroll people throughout the calendar year. Medicare recipients have a one time opportunity to enroll in a five star plan during the course of the year.

Answer: In 2025 your medication’s are capped at an out-of-pocket cost of $2000. In addition, you can set up a payment plan to ensure that you pay the same amount every month.

Answer: Yes, not only do Medicare advantage plans vary by state, but they can even vary county by county. Medicare supplement plans on the other hand are standardized throughout the US for the most part.

Answer: Medicare may cover certain genetic testing and limited circumstances, generally when it’s ordered by a doctor and the results directly affect the treatment. BRCA and NGS multigene panel testing is available if approved by your Medicare advantage or Medicare supplement plan

Answer: The VA provides coverage in eight different categories. Depending on if you have a service connected disability or meet certain means testing criteria, the VA may be a good option.

Answer: Guaranteed issue for Medicare supplement policies is typically available only during your initial enrollment. That period is a seven month window surrounding your 65th birth month. Three months before your birth month, your birth month, and three months after your birth month.

Answer: Medicare supplement policies are standardized nationwide for the most part. Medicare advantage policies can vary widely. Florida has a huge number of Medicare advantage plans available.

Answer: Find yourself a good agent who will keep in touch with you throughout the year. Your agent should inform you of any changes to your plan and provide you with information regarding other plans that may fit your needs.

Answer: Most advantage PPO plans will allow her to see any doctor that accepts Medicare. She shouldn’t have to worry about losing her doctors.

Answer: Providers may drop some of the smaller Medicare advantage companies in order to consolidate their client base into an easier to manage group. If you’re going to go with a Medicare advantage plan, you are typically going to be safe with one of the major plans i.e. UnitedHealthcare, Humana, Aetna

Answer: The biggest mistake an individual can make regarding Medicare is to not enroll in Medicare part B when they are first eligible. If they have credible coverage through an employer, they may not need to, but otherwise, if they do not have credible coverage, they will be penalized 10% of the Medicare part B premium per month, per year. This can add up quite dramatically.

Answer: No, if you only have a and B you could be responsible for up to 35% of any hospital bills. $100,000 hospital bill which honestly is nothing these days could cost you $35,000 or more.

Answer: Find an experienced agent who is licensed with multiple companies. Do not rely on someone who is just starting out and is unfamiliar with different people’s situations. Everyone is different!