Robert Fracchia, Medicare Insurance Broker
Robert Fracchia
RMF Consulting
Medicare Broker Licensed in MI
Contact Details
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Serving
Michigan
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Phone
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Website
Robert Can Help With:
About Me
Hey there, my name is Robert, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Robert Fracchia
Answer: No, IRMAA is based on your tax return from two years prior. If your income recently dropped due to a life-changing event, you can appeal to the SSA to have your premiums dropped.
Answer: A person must have an inpatient hospital stay of at least three consecutive days before being admitted to a skilled nursing facility.
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 $2,000.
The "Donut Hole" no longer exists.
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.