Roger Werking, Medicare Insurance Agent

Answer: Yes

Yes. You can apply and get Medicare if you are not drawing Medicare.

Roger Werking

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Answer: Yes, Medicare covers Breztri, but it dependes on what drug plan you have, or what Advantage Plan you have. Some plans cover it some do not. You need to check each plan to see if it is covered.

Answer: If you were taken to the Emergency Room for a stroke, the average copay would be around $150.00 for a Medicare Advantage plan.

If you were admitted, your room rate could be anywhere from $175.00 per day up to $400 per day depending on the specific plan you for a Medicare Advantage plan.

Then rehabilitation could be $30 to $40 per treatment until you recovered.

Answer: Part

In 2026, Part B of Medicare which covers doctors, costs $202.90 month. Where as in 2025 Part B was $185.00. This represents a 9.7% increase from 2025.

Answer: If can stay on your group plan if you like, you do not have to leave it. But, If your group plan costs more than Medicare, you would probably save some money by moving to Medicare.

Answer: If this is the first time this year you have been to the ER, then you would have a one time $283.00 dedcutable, but no copay.

Answer: You need to decide if you want a Medicare Supplement Plan or a Medicare Advantage plan. Make sure you know your correct dates to sign up.

Answer: Your annual wellness visit with your PCP has a ZERO copay with most companies. Some Advantage plans might cost more.

Answer: In 2026, most people will pay $202.90 per month for part B of Medicare. In most cases, Part A is free.

However, if you have a high income, your Part B cost might be higher.

Or, you might qualify for a Part B reduction if you pick one of the Part B giveback plans.

Answer: They assume that the 20 day coverage for nursing home after a short stay in the hospital, is part of the Long Term Care overage.. LTC is a different type of coverage that can pay for assisted living expenses for 3 to 5 years, or longer

LTC is completery different than the short term coverage in a nursing home and can cost $5000 to $8000 per month, which is paid by the occupant.

Answer: HMO's do not have as many doctors to choose from as a PPO would.

You have to have referrals to see aspecialist. With a PPO you do not need referrals.

Answer: Medicare provides preventative services and programs that can help delat or reduc progression from prediabetes to type 2.

MDPP = Medicare Diabetes Prevention Program.

Answer: A solid tip would be to prioritize plans based on actual usage, not just monthly premium.

Make sure your current providers are in the network, and your medications are covered.

Answer: I like to meet new people and hear their story. I also want to make suer people have the necessary coverage for the future.

Answer: Knee replacement is very expensive, so the insurance company wante to confirm that the replacement is really necessary, and that conservative treatments were treid first.

Answer: If y

If you have opted out of Medicare, you cannot bill Medicare Advantage Plans.

Once opted out, you may not be paid by medicare or medicars advantage plan for services under part B

Answer: Long term care, most dental care, routine vision care, hearing aids, cosmetic surgery, perscription drugs,

Answer: If you are not on a company group health plan, then you need to get your Medicare Card and apply for a Medicare Supplement or Advantage plan.

Answer: Y

You can change plans during the Annual Enrollment Period = October 15th -----Dec7th.

Or during the Open Enrollment Period = Jan 1st to the end of March.

Answer: As an example. If you have a Medicare Advantage plan, you can rent a wheelchair or crutches around 3 %, which is what my Humana Plan offers.

Answer: Yes, long as you are in your Initial Enrollment Period.

Which is 3 months before you turn 65 and 3 months sfter age 65

Answer: Take your time are look at several plans before you invest your money. There are several different plans to choose from. Make sure the plan meets all you needs.