Ronnie Robinson, Medicare Insurance Broker

Answer: Not deciding to get either a Medicare Advantage plan that includes prescription drug coverage or a Medicare Supplement and a prescription drug plan. Going without either only makes sense if still working and covered by a dynamic group plan or if Tricare for Life or other VA benefits are available.

Answer: Doctors can leave and come whenever they want. No contracts are required most times. Usually a year is normal

Answer: Only if the prescriptions are not included in that MOOP. More details are needed to fully understand!

Answer: That's very product-specific and would require more information. Would need to know the zipcode and the scope of appointment form for compliance purposes.

Answer: I used to be licensed in Colorado, but I’m not so suggest this passed to someone that’s licensed in Colorado. Some Medicare supplement plans do very by state.

Answer: I’ve always been transparent with my clients so it really hasn’t affected me just makes me go into a lot more detail details. This sometimes can be more confusing to clients, but I usually try to simplify it at a basic level.

Answer: Depends on your zip code. Most popular are HMO, PPO, C-SNP, or D-SNP plans which have benefits based on needs. Reach out for a detailed breakdown!

Answer: If you want to be responsible for the 20% that Medicare A doesn't cover. There are options you can purchase, like a supplement or a medicare advantage plan that puts a limit on the 20%.

Answer: An experience broker will collect your current doctors, prescriptions, and the scope of appointment to help you find all your options while keeping as much as possible the same. They will also have multiple years of experience, along with at least seven options to choose from, depending on your location.

Answer: MOOP is the "most" you would have to pay out of pocket in the plan year, with all your copays and coinsurance totaled up. Most clients never reach this unless they have cancer, stroke, and heart attack, or a combination of critical or chronic events in the same year.

Answer: When you say long-term coverage, are you referring to long-term care? Medicare Supplement plans can be expensive the older you get.

Answer: Depends on the cost of coverage through their job. I've seen clients save on monthly premiums both ways, especially if their job is covering 100% of their medical insurance.

Answer: Depends on your Medicare Advantage Plan. Most have a copay and possibly a deductible that must be paid prior to the surgery.

Answer: iIRMAA is based on your income two years ago. If it is not correct, yes you should contact social security.

Answer: I am not a tax specialist. I would highly recommend talking to an accountant or a tax specialist. They would be able to guide you in the proper direction.

Answer: Perhaps, but in some or most states, you may be subject to underwriting. This again varies by state, so reach out to us for your options for available solutions.

Answer: As you can see with the current or past government climates, at any moment, the plans associated with the government can change. Instead of keeping up with the changes, leave it up to us to help you navigate through them regardless of the changes.

Answer: It depends on the individual; even in a marriage, people need or want personalized coverage. Being a national independent broker, we have the ability to show each person both options.

Answer: For these questions, we pull in the respected personnel to help our clients on an individual basis, depending on the situation. We have seen that most families' options are different.

Answer: You will want to have a copy of the power of attorney for your parent with you, either physically or electronically. Your parent may be eligible for a special enrollment period at the time of documented diagnosis.

Answer: Medicare Advantage plans are based on the zip codes where they are available. Therefore, whenever you move, we should talk.

Answer: I always start new Medicare clients with a Medicare 101, either virtually or in person. I'm also in the process of starting webinars to help with this process on a monthly basis

Answer: You may be subject to penalties without proof that you had creditable coverage prior to being eligible for Medicare, especially if outside of your initial enrollment period around your 65th birthday. Those penalties could last for the rest of your life.

Answer: The pros of Plan N are lower premiums; cons are the annual deductible and copays for services. The Plan G pros are that you will only owe the annual deductible, and in most cases, remaining charges will be covered by the Plan G; the cons of the Plan G are the high premiums in some states.

Answer: We offer International Travel Insurance that will provide the coverage needed to get you the care needed abroad, or it includes a life flight home as well. A simple call for a quote is all that is needed.

Answer: In most states, there are critical and chronic special needs plans that are available for these situations. A phone call to our team can provide peace of mind and a solution.

Answer: If your doctor approves a medical procedure, and you have the proper referrals in place. I have seen decisions made in a reasonable amount of time. Likewise, if none of this is in place, it may be a frustrating process and depend on the plan in place.

Answer: Yes, Medicare will cover the cost of Medicare treatment, subject to the agreement of the additional plan that you have in place, if any. We recommend reaching out if advance notice can be given for treatment.

Answer: Once you are approved for your Medicare plan, your upcoming health conditions will be subject to the terms of your current plan. Depending on your plan, annual changes may affect your coverage, so it's a great benefit to keep in touch with us to share and possibly adjust as needed annually.

Answer: I love helping people stay connected to the comfort they have had or the new comfort they need as they enter into the Medicare space. I know it can be confusing, so I let them know that the relationship is with me and our team, not the different carriers available. That being said, if there are mid-year or annual changes, our team is just a call away for the ultimate peace of mind during these golden years!