Robert Remin, Medicare Insurance Agent

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.

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

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: Hello, Robert Remin, expert Medicare plan advisor, licensed and certified by Medicare and the carriers I represent in New York, Connecticut, New Jersey, and Florida. When an Advantage plan is explained to a potential client by a professional like myself, they will understand all the advantages and disadvantages of an Advantage plan, and also be able to compare them to the other Medicare option, which is a Medigap supplement plan. So there are no traps in an Advantage plan when it is explained professionally and properly by an expert like myself. If you'd like more information, please reach out.

Answer: Robert Remin, expert Medicare plan advisor, licensed and certified by Medicare and the carriers who represent New York, New Jersey, Connecticut, and Florida. Your neighbor is misinformed. A Medicare Advantage plan might have zero premium, but you have a copay every time you go to the doctor and additional copays if you need things such as a hospital stay, MRI, CAT scans, and things like that. That is not to say a Medicare Advantage plan will not work well for many people, which it does, as I have lots and lots of clients on zero premium Medicare Advantage plans, and they are very happy with them. The point is you should work with a professional to assist you in deciding which plan will be most appropriate for your specific circumstances. Again, to reach me,

Answer: Hello, I'm Robert Remin, expert Medicare plan advisor, licensed and Medicare certified, and certified with the carriers I represent in New York, Connecticut, New Jersey, and Florida. I assisted a very well-known retired actress who, for some reason, her current Medicare agent could not get her Part B done in the timeframe that she needed. It was actually getting delayed and delayed, and she didn't know how to get it done in the timeframe necessary for her to start her Medicare plans because she was leaving her work coverage. I was able to assist her in doing that. So that's an example of a complicated Medicare situation where I assisted a client.

Answer: Hello, Robert Remin, expert Medicare plan advisor, licensed and Medicare certified in New York, Connecticut, New Jersey, and Florida. Comparing a Medigap supplement plan to an Advantage plan is like comparing apples to oranges. It's basically a no can do. You can only compare Medigap supplement plans to other Medigap supplement plans and Advantage plans to other Advantage plans. There's no point in trying to compare the two. I suggest you contact a professional like myself to explain the different options between Medigap supplement plans and Advantage plans, but you really can't compare them.

Answer: Hello, Robert Remin, expert Medicare plan advisor, licensed and Medicare certified, and carrier certified in New York, Connecticut, New Jersey, and Florida. If your mom wants to switch to an Advantage plan, the reason to do so is not because her friends say it's better. Never, ever change to a plan based on information from friends or a whole bunch of other people, including doctors, the doctor's office manager, or various advisors you may work with. Only work with someone that is a Medicare plan expert, certified by Medicare and the carriers they represent. This way, you have the opportunity to understand what all your options are. If I can assist you, we'll be glad to do so. Again, if you live in New York, Connecticut, New Jersey, or Florida, please reach out to me.

Answer: Hello, Robert Remin, Expert Medicare Plan Advisor, licensed and Medicare and Carrier certified in New York, Connecticut, New Jersey, and Florida. The biggest mistake people make when they try to choose a Part D prescription drug plan on their own is assuming the higher premium they pay, the lower the drug costs are. That is not necessarily the case. There's no reason to pay a large premium to a carrier if you are taking all generic drugs. It makes absolutely no economic sense. Some people do that in anticipation, thinking, "Oh, one day I'm gonna wind up with an expensive drug, so I need to pay the bigger premium now, so in case I wind up with an expensive drug, it will be less." That is the completely incorrect way to think about choosing a Part D Medicare plan. If you have additional questions, please call or text me.

Answer: Hello, Robert Reeman, Expert Medicare Plan Advisor, licensed and Medicare and carrier certified in New York, Connecticut, New Jersey, and Florida, to answer your question about bankruptcy. As long as your Part B premium is paid, you will maintain your original Medicare Parts A and B. The same applies to whatever Advantage or Medigap Supplement Plan you may have had, and your Drug Plan. As long as you pay the premiums, the plans will stay in force. They give you 90 days to pay if you are having difficulty. If you are having trouble, you can reach out to the carriers directly. They might have a longer pay plan that you can go on, but that would be between you and the carrier. If you need additional information, please contact me.

Answer: Hello, I'm Robert Remin, an expert Medicare Plan Advisor, licensed and Medicare and carrier certified in New York, Connecticut, New Jersey, and Florida. Depending on where you move to, it might or might not limit your Medicare Advantage plans. Without knowing the town and county you live in, I can't answer more specifically than that. If you want a more specific answer, please contact me.

Answer: Hello, Robert Remin, expert Medicare plan advisor, licensed and Medicare certified, and carrier certified in New York, Connecticut, New Jersey, and Florida. If your mom wants to switch to an Advantage plan, the reason to do so is not because her friends say it's better. Never, ever change to a plan based on information from friends or a whole bunch of other people, including doctors, the doctor's office manager, or various advisors you may work with. Only work with someone that is a Medicare plan expert certified by Medicare and the carriers they represent, so you have the opportunity to understand what all your options are. If I can assist you, we'll be glad to do so. Again, if you live in New York, Connecticut, New Jersey, or Florida, please reach out to me.

Answer: Hello, I'm Robert Remin, an expert Medicare Plan Advisor, licensed and Medicare certified, as well as carrier certified in New York, Connecticut, New Jersey, and Florida. I'd be glad to help you figure out the Medicare maze, which I like to call "Solving the Medicare Puzzle." Please reach out!

Answer: Hello, Robert. I'm Remin, an expert Medicare Plan Advisor, licensed and Medicare and carrier certified in New York, Connecticut, New Jersey, and Florida. Yes, Medicare will allow you to have colonoscopies more frequently than the usual time range they allow. Most likely, we will need a note from your doctor stating that there is a history of colon cancer in the family. You submit that letter to the carrier before you have the colonoscopy so you don't wind up with a bill for it. If you have additional questions about this, please reach out.

Answer: Hello, Robert Remin, expert Medicare advisor, licensed in New York, Connecticut, New Jersey, and Florida. To answer your question, palliative care is available at the time of diagnosis. Hospice care is only available for an end-of-life situation. How Medicare covers both of these will depend on what type of Medicare policy you have and what is needed. Hospice is covered under original Medicare Part A. You have to meet certain qualifications to qualify for hospice care. We're not going to go into details about that here. For palliative care, again, depending upon your Medicare plan, whether it's an Advantage plan or a MediGap Supplement plan, the care you get at doctor's offices or in the hospital will most likely be covered by your plan. You might have co-pays depending upon which plan you have. If you need at-home care with assistance with what is called the six functions of daily living, that is a long-term care situation. Medicare plans, no matter which one you have, do not cover that. So it's very important to have a long-term care plan in place. For additional information or questions, please call me.

Answer: Hello, I'm Robert Reeman, Medicare licensed in New York, Connecticut, New Jersey, and Florida. To answer your question about the Inflation Reduction Act, in simple terms, what the act has done is allow the maximum cost of your drugs to be no more than $2,000 in the calendar year. That assumes the drug is covered in the formulary of the carrier you’re using for your drug plan. If the drug is not in the formulary, it could cost more than that, and you might have to change plans or use a different drug if available. But that's basically what the Inflation Reduction Act has done. It's lowered the cost of some drugs, but the main point is, again, if the drug is in the carrier's formulary—and that's important to know—the total cost of all your drugs in the calendar year, from January 1st to December 31st, cannot be more than $2,000.

Answer: Hello, I'm Robert Remin, an independent agent certified by Medicare and the carriers I represent. I'm licensed in New York, Connecticut, New Jersey, and Florida. If you are enrolled in Parts A and B only and don't have coverage from work or a private carrier, your risk is as follows: you are responsible for 20% of all costs that original Medicare does not cover. So, imagine a major health situation, hospitalization even for a few days, or a bad diagnosis of a disease where you need lots of testing. God forbid you wind up with cancer and need chemotherapy. You are putting yourself at a very large financial risk by only having Parts A and B Medicare and nothing else. I'm glad to discuss the situation with you; that is what I do. There's no charge for my time to discuss your specific situation. My number is 914-629-1753.

Answer: What happens will depend on whether you are receiving health coverage from where you worked or not. If you already have health coverage, odds are you would only have to enroll in Medicare Part A. If you're not receiving health coverage from where you work and you're already retired, and you're on some other health plan, you would have to find out from the carrier if you can still stay on the plan. If you're in the exchange, also known as Obamacare, you're gonna have to leave that when you turn 65. If you are not on a current plan and you turn 65, and you're collecting Social Security, that doesn't really matter. You will automatically get enrolled in Medicare Part A and B by the Social Security Administration if you don't do it on your own within the six-month window you have to do so, which is three months before you turn 65 or three months after you turn 65. If you are enrolled in Medicare Part B, even if you're retired and you're getting Social Security benefits, your Part B premium is gonna be automatically deducted from your Social Security benefits. I hope that answers your questions. If you have any more questions, please contact me at 914-629-1753. My name is Robert Remin. I am a totally independent agent and assist people in making sure they are in the most appropriate Medicare plan for their situation. I'm licensed in New York, Connecticut, New Jersey, and Florida.

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: 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 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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: 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,.