Ron Kaemmerer, Medicare Insurance Broker

Answer: As long as you have credible insurance coverage through your employer you don’t have to take Medicare. When you retire you will need to have the HR department from your job send proof of credible coverage to Medicare so you won’t receive a late enrollment penalty when you do start taking Medicare

Answer: It won’t affect it . Do you have a work insurance you will continue with until 70? If it is credible coverage to Medicare and doesn’t cost you more than Medicare then you won’t have to get part B until you retire

Answer: There are plans you can be covered anywhere in the states! If you go out of country you will want to get travel insurance.

Answer: I would first get a labeled binder to get medical bills, doctor’s notes, and prescription information all separated. Start small and pick one category a week to go through starting with bills. Once you have everything caught up make sure to set 30 minutes to an hour once a week to go through incoming mail, file documents, and shred junk. I hope this is the help you were looking for!

Answer: Yes! You should have avenue’s like Medicare Agent Hub to go to when you need help with Medicare! They should not be able to call you to market plans at all if you ask me!

Answer: That’s a hard question to answer without knowing your plan. It would be easier to explain if you want to give me a call

Answer: Medicare covers most vaccines but not all of them. They cover most at 0 cost so it would be easier to call me and I could go over it all!

Answer: Talking with people over the phone that call you about

Talking with someone about Medicare and not making sure they check your meds and doctors

Answer: Part B of Medicare covers it for chronic lower back pain. It really will depend on your plan as not all Medicare plans cover the same. If you have more questions please let me know

Answer: It covers 80% after your deductible! You should have something that covers the 20% and deductible or get an advantage plan that has flat co pays and also wipes out part A deductible

Answer: You have a 7 month window that starts 3 months before you turn 65. To avoid late enrollment penalties make sure you sign up no later than 3 months after you turn 65!!

Answer: That’s the thing it gives you flexibility to go out of network but in most cases cost 40% of the cost! The best thing to do is to find a plan where all of your doctors are in the network. If you need help I will check all of your doctors to see what is best for you!

Answer: October 1st is the first day I can talk about benefits for the next year so I would always say then. If you haven’t done so then right now is your best time!

Answer: Yes it is as long as you have part B of Medicare. You can contact me if you have any more questions!

Answer: I personally come to peoples houses to go over benefits and make them aware I don’t work for the insurance I work for you! I look over all the plans in their area after putting in their meds and doctors it will pull up what is best for you as far as which plan doctors and scripts are lowest cost! I have over 250 combined 5 star ratings because I treat people like they are my family and once I help them they become part of my family! They call me not the insurance when they have a question or problem

Answer: It goes by zip code and also depends on which route you chose to go with your Medicare. It sounds like you have a supplement while your friend is on an advantage plan! Both cover everything Medicare part A & B cover while advantage plans give you additional benefits! If you still have questions please let me know

Answer: If you are qualified for a chronic plan it gives you a special enrollment period through the year. It's a one-time special enrollment.

Answer: So depending on the plan you have a Medicare advantage plan may not have a part A or part B deductible. If it does have a deductible you would pay the deductible then the co pay of 350 for days 1 through 7. If you go past 7 it should be paid for by the plan after that amount of days. If you have questions I’m on the Medicare Hub Ron Kaemmerer give me a call. Have a good day

Answer: That's a great question! Medicare Part D drug tiers are basically how your insurance company organizes the medications they cover, and they directly affect how much you pay out of your pocket.

Think of the tiers like price categories on a menu.

Tier 1: Lowest Cost (Often Preferred Generics)

What it is: Usually the cheapest, most common generic drugs.

What you pay: The least. Often a very low fixed copay (like $1-$10) or sometimes even $0.

Tier 2: Medium Cost (Generics and Non-Preferred Generics)

What it is: Still generic, but maybe a bit more expensive than Tier 1.

What you pay: A low-to-medium fixed copay (more than Tier 1, but still good).

Tier 3: Higher Cost (Preferred Brand Drugs)

What it is: Brand-name medications that your plan "prefers" and has negotiated a better price for.

What you pay: A higher fixed copay than Tier 2, but less than the next tier.

Tier 4: Even Higher Cost (Non-Preferred Brand Drugs)

What it is: Brand-name or non-preferred generic drugs that your plan covers, but at a higher cost because they haven't negotiated as good of a deal.

What you pay: Usually the first tier where you start paying a coinsurance, which is a percentage of the drug's cost (like 40% or 50%), instead of a flat dollar amount.

Tier 5: Highest Cost (Specialty Drugs)

What it is: Very expensive medications for complex or long-term conditions (like certain cancer drugs or injectables).

What you pay: The highest cost, usually a high coinsurance percentage.

The Main Takeaway:

Lower Tier = Lower Cost for You: A drug in Tier 1 will almost always cost you less than the same drug (or a similar one) in Tier 3.

Plans Choose Tiers: The tricky part is that each Part D plan can put the same drug into a different tier. That's why it's super important to check your specific plan's formulary (drug list) to see where your medications fall and how much you'll owe.