Robert Fracchia, Medicare Insurance Broker

Answer: October 15 to December 7 is the annual Open Enrollment Period. If you are turning 65, you can enroll during the 7 month period around your birthday

Answer: No. There are 2 types of Medicare Supplement plans. Medicare Advantage plans have $0 premiums for some of their plans. Medicare Supplements have a premium for all of their plans.

Answer: Compare plans and companies annually. You might want a plan with a higher deductible or switch to a plan that has co-pays

Answer: Fewer plan choices.

Fewer Insurers

Less Variety in Plans

Restricted Provider Networks

Rural Hospital Challenges

Answer: After you have received Social Security benefits for 24 months, you will be eligible to enroll in a Medicare Advantage plan. There is no waiting period if you suffer from ESRD or ALS.

Answer: After you meet your Medicare Part B deductible ($257), you typically pay 20% of the Medicare-approved amount for physical therapy. Medicare pays the remaining 80%

Answer: More than likely, you can keep your current doctors. It is always best for your agent to double-check to see that all of your doctors are in network.

Answer: YES.... there is a $0 copay for virtual visits with primary care, specialist and behavioral health providers

Answer: The prescription drug (2025) law caps your out-of-pocket drug costs for covered drugs at $200o

The "Donut Hole" no longer exist.

There is also a payment option to help you manage your monthly expenses.

Answer: Yes. After meeting your deductible your Medicare Supplement plan G would cover what Original Medicare doesn't cover

Answer: I have helped clients navigate through the application process for their Medicare Beneficiary card.

Advocating for claim payments

Answer: Be able to observe the professionalism of the agent and his listening skills,making good recommendations