Ronnie Robinson Jr, Medicare Insurance Broker

Answer: We always recommend purchasing travel health insurance for international trips. We have several different options available if you would like to reach out to us.

Answer: You will not incur a penalty as long as your wife’s coverage is deemed as credible coverage by Medicare. If it is ACA compliant you should be ok.

Answer: Yes! Most of the plans are different by county and zip code as well as by state. We help you get all that information sorted out!

Answer: Great question, at a minimum I always suggest annually. Some of my clients review more often based on how they use their plan.

Answer: Different strokes for different folks. Follow your heart. What are the pros for you versus the cons? Are you still traveling around outside of your state? Are your friends helping you the most, or are your kids?

Answer: Depends on which Medicare option you choose. There are two ways to go for you. Benefits that your job has like disability pay, Etc., would be an additional policy aside from Medicare.

Answer: You may be speaking with the newest hires. If you want 8+ consistently improving years of experience, feel free to reach out; it would be our pleasure to help you!

Answer: Your alternative option is a Medicare Advantage plan that you can't be denied from. How long has it been since this happened?

Answer: Every year, there are changes to most, if not all, of the formularies. This is why annual follow-up with brokers is crucial, so there are no surprises during the upcoming year.

Answer: We have many Medicare-eligible beneficiaries who don't have any teeth and would prefer other benefits instead. Some options include dental, vision, and hearing coverage, such as Medicare Advantage plans.

Answer: I have found that many of my current clients are grateful for their hospital indemnity policies when something happens and it's time to file a claim. They say it's a nice breath of fresh air to receive a check in the mail instead of a bill. Most are under $100 per month.

Answer: Depends on what is available in her area and what she has now. We can help if you would like help. Feel free to reach out.

Answer: There are some Medicare Advantage plans that offer benefits like groceries, if you qualify by having a chronic condition like diabetes, COPD, etc. More details would need to be known about your specific scenario. We can help!

Answer: Reach out to us for a comprehensive Medicare 101 to make sure you get all your questions answered for a 2026 plan as they change annually. We offer no obligation reviews that sometimes include staying where you are! We are about the mission before the commission!

Answer: You would be responsible for the copay of the plan and maybe an admission copay as well, depending on how you arrived. We are available for a no-obligation Medicare 101 to help simplify this process for you.

Answer: Medicare 101 is always my go-to strategy for helping educate anyone on how Medicare works. It's actually the strategy of our entire team. We like sharing more than selling!

Through this concept, decisions are made with knowledge and confidence.

Answer: Yes, you need to update your address with Social Security, and depending on your coverage, you have 60 day timeframe to do so. This is for Part D and Medicare Advantage specifically.

Answer: The short answer is yes, but it depends on what those providers (doctors) in the area accept. Some may accept certain advantage plans, some may not accept any.

Answer: The donut hole was eliminated at the beginning of 2025, where the maximum out-of-pocket for prescriptions is now $2000. For 2026, that amount increased to $2100, which is still a lot lower than any donut hole has ever been.

Answer: Were you enrolled under a guaranteed issue situation? Since you are not our client, it's challenging to answer this correctly without knowing the background, and it should be addressed by the agent who enrolled you in Plan G.

Answer: The best way is with a broker like us for time savings, or medicare.gov if you have unlimited time and patience. We have access to all the carriers in your area, even if we aren't appointed with the carriers.

Answer: There are differences between Medicare advantage providers just like their difference between Burger King and McDonald’s exactly the same difference.

Answer: You could call our office and we can assist You and walk you through that. Or you can log into ssa.gov account do it there.

Answer: Reach out to a broker and we will be happy to check the doctors for your mom. This is what we specialize in, keeping your doctors and paying less for prescriptions.

Answer: The easiest way we have found is to add in your current prescriptions, for example. We will then be able to show you the estimated cost with the available carriers in your area.

Answer: From the context in which I understand, ssa.gov states that you will receive the highest social security benefit, not both. I hope this helps. If you need further assistance, feel free to reach out to us. We are happy to help.

Answer: It depends on the type of Medicare plan your Dad has. Reach out to us, and we can have a no-obligation review of his current plan and show you both options that have ongoing chiropractic care.

Answer: If your income two years ago exceeded the thresholds. IRMAA looks back two years and applies to the current year.

Answer: If you are trying to find the one that matches your personality type, I guess this would be a valid reason. Brokers usually have access to the same plans unless they choose not to represent some of them.

Answer: Hello, yes for the most part, plans can vary by zip code in the same state. State regulate how they want their plans structured.

Answer: You would need to go to ssa.gov and start Part B if Part A is already started. Reach out to us if you need further assistance; we would be glad to help you.

Answer: We can help you with that. No obligation, just education! They don't allow contact information, but you can search for Ronnie Robinson Jr and find me that way.

Answer: The different benefits of Medicare Advantage vary from carrier (insurance company) to carrier, which sometimes include dental, vision, chiropractic, fitness, etc. To answer the question about what is more beneficial for someone with health issues would require more information about those issues and financial affordability questions as well, since you can purchase a premium option as long as it's affordable. We have been able to find doctors who accept many different MA plans; it just may not be your current doctor. MA premiums are some of the lowest available, the copays for doctors can vary as well. We highly recommend talking to us as we are free of charge, and no obligation is required for a better understanding of your options.

Answer: This broker would be more than happy to show options that include broader chiropractic coverage. We are happy to help navigate during this confusing time of the year.

Answer: Expenses from travel, overnight lodging for spouse and children, etc, due to critical, chronic, or terminal illness treatment out of state. We offer supplemental health products that would actually help cover these costs for an additional premium if initial were provided on the scope of the appointment form.

Answer: The easiest way is to reach out schedule an appointment to review your Medicare advantage options. The earliest time available is October 1 for a review and then October 15 to actually enroll. We look forward to helping you out.

Answer: One of the biggest mistakes we see are clients not filling the gaps in their two Medicare options. Just like traditional health insurance through a job Medicare has gaps that need filled to be in a better financial position.

Answer: We have over 30 different life insurance carriers for unique needs and purposes as a part of financial planning. To put it short every client and families financial needs are different so we collect your current situation and needs analysis upload that to our system and it produces options and situational proposals based on your needs for example, a lot of people think that life insurance is just for death. While there are life insurance policies that actually Help you for life while you’re living for example if a client has $1 million policy and they are diagnosed with cancer, they would have access to $850,000 for example if they needed it tax-free after submitting proof of diagnosis. Another happier example is if they want to pull a loan out from their policy tax-free, they could also do that, to start a business by a house pay for college, etc..

Answer: I’m not sure where you are getting that information for example, my dad who is 82 years old just had a CT scan Monday.

Answer: Zero premium only applies to the cost of the Medicare advantage plan. The co-pays coinsurance, max out-of-pocket, etc., are additional cost the client may have when using the plan.

Answer: Depending on the type of Medicare you have, your PDP will need to be changed or your MAPD or MA plan will need to be changed. Every zip code is unique on the plan levels.

Answer: There are discounts available for individuals like you, such as Part B give back, for example. The Medicare Advantage plans offer a Part B giveback on some plans; they usually have $0 monthly premiums, so there's another discount if you're on a Medicare supplement plan, for example.

Answer: It's explained in every Medicare 101 meeting, but most people don't go, and they should, in my opinion, to help spread the word. We provide a wealth of free information about transitioning into Medicare at these events or one-on-one appointments, with no obligation to take any action.

Answer: We cover this in a no-obligation Medicare 101, where this is explained in detail. It varies plan to plan, as some do not have deductibles.

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: Congratulations on your upcoming retirement plans. What I usually like to inform people who are new to Medicare is that there is a Medicare 101 that we are able to provide, where we go into the details of your options within Medicare and help you make a more informed decision with that option. So if that sounds good to you, please reach out.

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!