Robert Remin, Medicare Insurance Agent

Answer: Educating both the client and the non Medicare licensed professionals that work with them so the client is in the most appropriate plan or plans for their situation. Receiving the Kudos from both after assisting them wade through the Medicare Maze of information which they all state they could not have done so on their own,.

Answer: None of the carriers I work with state their plan is free. A zero premium plan does not mean one has zero costs for the plan year. My clients and the non licensed Medicare professionals that work with them have all this explained in detail to them by me so we can make an educated decision on which plan or plans will be most appropriate.

Answer: Medicare does pay a death benefit so the direct answer per the question is FALSE. Medicare and life insurance are apples and oranges. Both require a consummate professional to to assess the client's situation so an educated decision can be made for each.

Answer: Even if you don't qualify for Social Security, you can sign up for Medicare at 65 as long you are a U.S. citizen or lawful permanent resident.

Answer: I do not offer plan K as the HDG plan is a much better option than K as the max out of pocket on K in a bad heatlh year is double plus the K plan. In addition the K plan premium is much more than the HDG one. Overall the K plan makes no economic sense to me as the HDG gives you moe coverage for lower premiun

Answer: The premiums are the premiums. An option would be to look at a lower cost plan that offers same or similar coverage as your current plan. An example would be the HDG plan or an Advantage plan assuming you are in an expensive Medigap Plan currently.

I explain all the options and risks both medically and financially so you can make an educared decision.

Answer: The Maximum out of pocket in a bad heatlh year and if you are not in one of the four guaranteed issued states you are subject to underwriting when changing plans to Medigap and might not qualify once your guaranteed issued status is no longer available.

Answer: Your max cost for covered drugs in 2025 cannot be more than 2000.00. Depending where you live odds very high your max cost for drugs and premium in 2025 will be less than when you had donut hole issues in the past

Answer: They are private carriers selling a product and have the same access to advertising as any other company selling whatever. I advise all my newly referred clients not to watch or listen to any of the ads as they create information overload and confusion.

Answer: Max cost for all covered drugs in your plan cannot exceed 2000 total for all of them. Bewteen premium and max amount your costs should be way less than having a donut hole situation

Answer: After you turn 65, you can use HSA money tax-free to pay premiums for Medicare parts B and D and Medicare Advantage plans (but not premiums for Medicare supplement policies), in addition to paying for other out-of-pocket medical expenses.

Answer: I doubt you and your friend have the same plan if that is the cost diffrence. Plans are priced by county not zip code so everyone in the same county will have the same cost for the same plan. A neighboring county could be more or less for the same plan.

Answer: If you qualify extra help lowers the cost of most drugs. Specific costs will depend on the drug. It also lowers the cost of the monthly drug plan premium if you have Part D perscription drug plan

Answer: Medicare part B covers many preventive medical services such as your annual physical, colonscopy, mamaogram, vaccines...Here is a link for what is covered. https://www.medicare.gov/providers-services/original-medicare/part-b

It is not enough as if you only have Medicare Parts A and or B and no additional private carrier coverage from work or a private carrier Medicare plan/s you are responsible for 20% of all costs Medicare doen not cover. Think about even a few day hospital stay what the bill would be.

Answer: If you are in a non guaranteed issue state which are all except for NY, CT, ME, and MA and you are not in guaranteed issue status you are subject to underwriting and can be denied coverage. You are guaranteed issue if you are new to Medicare, leaving a work plan in which you had credible coverage, moving to a new county even within in the same state. The latter two apply regardless of age and even if you are in Medicare already.

Answer: Robert Remin, expert Medicare Plan Adviser. Certified by Medicare and the carriers I represent in NY, CT, NJ and FL.

Advise your neighbor although there is possibly no premium with many Advantage plans there are copays that could very well approach the plan's maximum out of pocket amount in a bad health year. That does not mean an Advantage plan does not work well. They do when explained by an expert adviser so the client understands their medical and financial risks.

Answer: Robert Remin, Expert Medicare Plan Adviser, Certified by Medicare and the carriers I represent in NY, NJ, CT, and Fl. If you work with a professional lke me you will understand all the advantages and disadvantages of Advantage plans. There are no "traps."

Answer: Medicare secondary insurance means there is another plan in place most likel an employer plan that is the primary payor and Medicare is the secondary payor. It has nothing to do with private carrier Medigap/Supplement or Medicare Advantage plans.

Answer: There are no taxes with Medicare as Medicare pays doctors, hospitals, ...directly not you.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Follow the instructions on Medicare.gov, get started with Medicare. Suggest consulting with expert advisor before signing up for any private carrier plans in addition to original Medicare Parts A and or B from the government.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Nothing is getting cut from Medicare. You are probably confusing it with Medicaid in which there are several issues such as people on it that don't need to be and financial issues per fraud, waste, and abuse.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL The criteria for extra help for the following year is usually available in September or October of the preceding year. I do not believe the actual benefits change only the criteria to qualify does.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL.Depends which screenings and date of last one you had. You can google the list which will show the timelines.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. I would ask friends, family, whom they used if anyone. If not your local office for aging might have a list of agents. My main advice is do not try to navigate Medicare on your own. No law against meeting/speaking to many. That does usuually cause information overload.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Advantage plans are not in my opinion taking over the system. If you use a true professional they will explain all your options so you can make an educated decision for your private carrier Medicare plan/s in addition to original Medicare A and B.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. I do a free Zoom class called "Solving the Medicare Puzzle/Medicare Mythst Exposed." The class can be a group or one on one with a prospective client/s. I cover Medicare from A to Z so at classes end client knows their options. Class is educational only so no specific carriers mentioned.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. There are probablyy several important questions such as cost, coverage options for health and drugs, extra benefits for vision, hearling...I would not any one question more important.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. If you have a balance or have not paid any of your part B deductible you will be billed for it once PT starts. Once deducttible paid you have unlimited zero cost PT visits each calendar year as long as Medicare deems they are medically necessary. FYI-If you have an additional private carrier Advantage plan or the G+ aka HDG plan you will have additional copayments besides part B original Medicare deductible

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Work with an expereicned licensed Medicare plan advisor. Doing it yourself results in major issues frequently

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Both can work great or not the way one thought. Working with an exeperienced expert Medicare plan advisor will allow you to make an educated decision on which plan/s will be most appropriate for your situation.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Work wih an experienced expert Medicare plan advisor who will guide you as to which option will be most appropriate and cost efficient for your situation.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. It's well known with expert Medicare plan advisers and by choosing to navigate Medicare without expert advice often leads to situations as you are describing.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. There is no coverage gap as of 2025 and if it's one of the basic cholesterol medications ie Tier 1 or Tier 2 cost will be very low so you will not come close to what is known as catastrophic coverage on your drug plan

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. They do not affect your Part D plan. You can use either the discount card or the plan. Ask pharmacy cost for each drug you take on each and use whichever one gives you the lower cost.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Inflaton reduction act allows maximum cost of your drugs if in the plan's formulary not to exceed $2000.00 for the calendar year you are in the plan. Suggest you contact expert Medicare plan advisor to determine your specific drug costs.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. If you are working past age 65 and have a Medical plan from work or can stay on a spousal work Medical plan after age 65 (have spouse check with their HR or carrier if you can stay on plan) there is no penalty. Otherwise you have a 3 month window after month turn 65 to signup.

If leaving a work plan you have an 8 month window as long as not on Cobra.

If working past age 65 or on spousal plan ou would sign up for part A Medicare only in the window of 3 months before you turn 65 to the 3 months after. If you miss the window for Part A no worries as no penalty for late part A signup.

If you have HSA account from work and will keep working past age 65 you do not sign up for either Part A or B.

Answer: Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Suggest you contact a good elder care attorney in your area or local office of the aging as there are many options to consider with that situation.