Ron Hamilton, Medicare Insurance Agent

Answer: All Medicare plans require emergency services to be covered anywhere you travel. If you are traveling extensively and not in your home state for an extended period of time, you will want to enroll in a PPO plan or a Medigap plan. If you enroll in an HMO plan, all that the plan is required to cover is emergency care.

Answer: Yes, if you don't have a primary care physician and are enrolling in an HMO, the carrier will assign you one. If, for some reason, you don't care for the PCP assigned to you, you can change at any time.

Answer: All plans are required to cover emergency services regardless of where you are. If the condition is not an emergency, it would be best to return to your home state for treatment.

There are two exceptions

1. If you have an Advantage plan that is a PPO, you can received treatment from any doctor that accepts that plan. You may pay more than you would normally pay, but treatment would be covered.

2. If you have a Medigap plan, you can go to any doctor that accepts Medicare regardless of what carrier you are with.

Hope this helps.

Answer: No referrals are necessary if those specialists accept Medicare. There are no networks with Original Medicare, so as long as the doctors accept Medicare, you can make appointments.

Answer: Your ANOC typically starts out with a summary on the first few pages of the document. It compares current year benefits to upcoming changes in benefits.

You should find the benefits that are most important to you and take a look at any changes. If you see changes that negatively impact your benefits, call you agent to see if another plan is offering the benefits that are most important to you.

Answer: No, Original Medicare does not pay for dental implants. You must buy a separate dental policy or join an Advantage where many carriers offer some degree of dental coverage.

Answer: Medicare Part A and B, called Original Medicare only covers 80% of your treatment and also comes with deductibles. So, something like removing a mole may only cost you about $200 as a copay. But if you need a triple bypass, that 20% you owe could be tens of thousands.

Part C, or a Medicare Advantage plan often comes with no premiums and no deductibles. Those plans also have a Maximum Out of Pocket cost (MOOP) , so once you pay that amount, you do not pay any medical bills once your out of pocket cost hit that amount.

Also, Original Medicare does not come with Rx coverage. You must buy that (Part D) separately. Most Advantage plans include Part coverage at no extra charge.

The bottom line? Part C provides more coverage than Original Medicare, and often does not cost you money.

Answer: Sure! I do the same thing every time I meet a new client.

Because often, people understand concepts more quickly with pictures and/or diagrams. I have a diagram that I walk each customer through, showing the options and paths available to them.

Almost without exception, by the end of the conversation, people have made a decision on whether a Medigap plan or an MAPD plan is best for their health and their wallet.

Hope this helps

Answer: 12/29/2025: Medicare Part A covers hospitalization and Hospice care, not outpatient treatments. Medicare Advantage plans have coverage for inpatient treatment. Depending on the policy chosen, the copays may run around $300/day for the first 5-7 days and you pay nothing after that.

Answer: Getting married at any time in life will not affect your coverage, costs or benefits. Hope that helps.

Answer: 12/15: Medicare Savings Programs (MSPs) are state-run programs that help people with limited income and resources pay some or all of their Medicare out-of-pocket costs. They don’t replace Medicare—they help cover the costs that Medicare leaves you with.

Answer: Not at this point. You have a total of seven months to enroll. 3 months before your birth month, your birth month and 3 months after your birth month.

I'll be happy to help you sort thing out when you are ready.

Hope this helps.

Answer: It depends on how you define "good coverage" . Parts A and B only cover 80% of your treatment and have deductibles to meet.

You are responsible for 20% after meeting the deductibles. That might be fine if your doctor removes a mole and charges $1000-you have to pay $200.

On the other hand, should you need a triple bypass that may cost $175,000. that 20% becomes a financial issue for most folks.

Bottom line is that adding a Medigap or Advantage plan provides the coverage most people will need at some point in their life.

Hope that helps.

Answer: The short answer is Yes. It's a good idea to make sure that the procedure you are considering is covered by your plan. A Prior Authorization also can let you know what to expect financially.

Hope this helps. Thanks for reaching out.

Answer: Great question. Medicare offers a wide range of services to identify potential medical issues and most of them are at no charge.

1. Make sure you get your annual physical and/or wellness check with your PCP

2. Take advantage of vaccinations

- Flu Shot

- Covid Shot

- Shingles shot

3. Be aware of Screenings and Testing available

- Breast Cancer mammograms every 12 months

- Pap tests, pelvic exams

- Colonoscopies

- Bone density test

- Hepatitis C screening

4. Take advantage of fitness programs like Silver Sneakers.

I hope this helps. Thanks for reaching out.

Answer: If you have an HMO plan, you must be in the plan's service area to be treated except for emergencies. By law, all Medicare plans must cover emergency treatment.

If you moved to a PPO plan, you can see any doctor in the U.S. that is in network for your plan regardless of emergency care. Non-emergency treatment is covered but may come at a higher cost.

Lastly, you could consider a Medicare Supplement Plan (Medigap). Doctors who accept Medicare MUST treat you regardless of where you are. Copy/paste the following into your Browser.

https://www.medicare.gov/health-drug-plans/medigap/basics/how-medigap-works

Hope this helps.

Answer: What was your effective date for your Plan G? When is your surgery scheduled and who is the carrier for the plan?