Rodolfo Rojas, Medicare Insurance Broker

Answer: It means that in 2025 you no longer have any donut whole. The Donut hole was a coverage gap in the prescription drug plans. It was confusing. Today, you don't have to worry about it anymore. The Inflation Reduction Act introduced that you have an out of pocket cap of 2000. 00 If you get to this amount, you don't pay for your medication anymore. . The medication has to be in the plan that you are on.

Answer: To legally manage your parent's Medicare benefits when they have dementia and are unable to make their own decisions, you'll need to obtain either a power of attorney (POA) or become their legal guardian or conservator. A POA allows you to act on their behalf if they are still capable of signing legal documents. If they are incapacitated, you'll need to petition the court for guardianship or conservatorship.

Answer: It depends on what type of Medicare do you. If you have Medicare Advantage-C- yes.

If you are in original Medicare, which is A and B, depends on where you go. You may have 20% coinsurance. An agent would have to do a need analysis to provide you with correct information.

If you have MediGap, you are covered.

Answer: Hello,

It depends on what coverage you have.

Regular Medicare, Medicare Supplement, or Medicare Advantage.

If you have Medicare Advantage, you will have special enrollments, or you use your Annual Enrollment every year to make changes.

Best to call and agent and allow us to go through your options.

Answer: Yes, best to do a need analyst to make sure you're choosing the most indicated plan. Most all the preventative procedures are covered. Make sure your medicines are in the formulary and that your doctor is in the network.

Answer: It depends on what plan you are choosing. Every state has different coverages. The 350 co-pays is just for the plan you are looking at. There may be better options for you. :-)

Answer: Original Medicare does not, but part C- Medicare advantage has s certain amount you can use for the purchase of the hearing aids.

Answer: Part A, with Original Medicare, you will have a deductible of $1,676 for the first 60 days.

If you have to stay longer, you would have $419 per day, 61-90.

I would suggest a Medicare Advantage, because your cost will be less.

Answer: It varies on what coverage you would like. If you are in decent health, I would suggest Medicare Advantage. If you can afford Medicare, supplant-Median-that would be another option. You can also stay with Medicare Original, which is A-hospital, and B-Medical. However, you will have deductibles and it is 80/20 coverage.

Answer: There are numerous of types of plans within Medicare.

I would suggest you contact an agent, like myself, to allow us to do a need analysis to find the correct plan for you.

Original Medicare, Medicare Advantage, Medicare supplement.

Answer: Do you have part D or Medicare Advantage that has it included?

This year, theirs a Cap of $2000 Max cost. You still need to make sure your medication is in the plan that you have chosen.

Speak to an agent, and they can make sure that all your medications are in the formulary.