Robert Baez, Medicare Insurance Agent

Answer: I like the opportunity to meet people and help them find the best products for their medical needs. It is my honor to ensure they are happy with their policies and give the best support to their medical process.

Answer: Medicare Advantage Plans for the most part do not have premiums, copays for preventive care, and in some cases, prescriptions may also be covered.

Answer: Hospitals and health care centers are contracted with carriers and depending on the situation may not renew their contract. You should check with your insurance carrier or medical center to see if they are contracted with your insurance carrier.

Answer: your insurance plan may cover emergency cases while out of the US. You should check with your insurance carrier or review your summary of benefits.

Answer: Medicare doesn’t cover clinical research itself; it may cover certain treatments or services you get as part of participating in the trial. You will need to check with your insurance carrier to ensure you can move forward with the clinical research.

Answer: A SNP provides benefits and services to people with specific severe and

chronic diseases, certain health care needs, or who also have Medicaid

coverage. SNPs include care coordination services and tailor their benefits,

provider choices, and list of drugs (formularies) to best meet the specific

needs of the groups they serve.

Answer: New senate bill would create Medicare payment pathway for AI-enabled devices. The Health Tech Investment Act proposes a Medicare payment system for FDA-cleared AI-enabled devices, facilitating their clinical integration. The Health Tech Investment Act (S. 1399), introduced by Sen. Mike Rounds (R-S.D.) and Sen. Martin Heinrich (D-N.M.), would establish a predictable Medicare payment system for AI-enabled medical devices that have been cleared by the FDA. These devices include algorithm-based healthcare services used in diagnostics, imaging, and other areas of clinical care.

Answer: The Medicare statute does not directly address coverage of digital health technologies, nor does the statute specifically limit or prohibit coverage of digital health technologies within the program’s benefit categories. Please check with your insurance carrier for more details.

Answer: Medicare and private insurers often cover medically necessary cardiac monitoring devices for home use. Check with your insurance carrier/summary of benefits.

Answer: Medicare raises costs for seniors who miss their Part B or Part D signup deadline, even if they didn’t know about it. Government Required Disclaimer: Agents may not offer every plan available in your area.

Answer: Medicare-covered mental health care includes:

• Services provided by marriage and family therapists, and mental health

counselors. Partial hospitalization, Intensive outpatient program. Must check with your insurance plan/summary of benefits for more details.

Answer: If your income is above a certain limit

(in 2025 $106,000 if you file individually or $212,000 if you’re married

and file jointly), you’ll pay an extra amount in addition to your plan

premium (sometimes called “Part D IRMAA”). You’ll also have to pay this

extra amount if you’re in a Medicare Advantage Plan that includes drug

coverage. This doesn’t affect everyone, so most people won’t pay an extra

amount.

Answer: The Baby Boomer generation is transforming the Medicare landscape, creating both opportunities and challenges for the healthcare system. As tens of millions of Baby Boomers retire and transition into their senior years, the demand for Medicare services is soaring. Let's hope for the best.

Answer: These services may vary by plan. Contact your plan for

specific details and to find out if you’re eligible.

Answer: Clinical research studies test how well different types of medical care work and

if they’re safe, like how well a cancer drug works. For certain clinical research

studies, Medicare covers some costs, like office visits and tests. You may pay

20% of the Medicare-approved amount, depending on the treatment you get. Check with your plan.

Answer: I'll have to say that there's always room for improvement. Changes are always being made for more efficiency.

Answer: That could potentially happen; however, it would be a challenging and controversial process. Medicare is currently a single tiered system and provides coverage for elderly and low income as well.

Answer: They are mostly helpful but to get the best in what your needs are it's best to do a one on one with a Licensed Trusted Advisor.

Robert Baez

Licensed Trusted Advisor

Más Health & Life

Health | Wealth | Life | Medicare

Direct: 773-370-2644

Answer: You shouldn't tell your neighbor anything. Reach out to me so we can do a review and find the right plan for you.

Answer: Are you already 65 years old? Are you still employed with health benefits? Do you have Medicare Part A? Reach out to me so I can help you with specifics.

Answer: It depends on the carrier. Some do cover all or partial cost for hearing aids. Reach out to me.

Answer: You should apply for Medicare A and B then reach out to me so I can help in finding the right plan that fits your needs.

Answer: Medicare agents and brokers assist consumers in choosing the best health plan that suits their needs. Please reach out to me so I can assist you.