Rosalind Ryan, Medicare Insurance Broker

Answer: Yes, leaving employer coverage, opens a guaranteed issue right for a Medigap plan, which allows you to select one without having to go through underwriting or being rejected coverage because of your health status. You will have 63 days from the date your coverage end to enroll. Please let me know if you need my assistance with finding coverage that right for you.

Answer: The opportunity to make a genuine impact on the lives of seniors is what I enjoy the most about my role as a Medicare agent. I take great pride in assisting individuals in navigating the Medicare process with confidence and clarity, as many individuals feel overwhelmed or confused by their options. I particularly relish the opportunity to reveal benefits that they may not be aware they are eligible for—observing their relief and peace of mind when everything finally makes sense is truly satisfying. For me, it's not just about finding a plan—it's about empowering people with knowledge and support.

Answer: Routine eye exams, glasses, and contacts typically are not covered by Medicare. However, Medicare Part B does cover medically necessary eye treatment, such as diabetes, glaucoma, or macular degeneration screenings, as well as cataract surgery. Seniors can choose between Medicare Advantage plans or standalone vision insurance for routine vision needs.

Answer: Yes, finding a dentist who accepts your specific Medicare Advantage plan, especially if it includes dental coverage, can be challenging. While many Medicare Advantage plans include dental coverage, a large number of dentists may not actively participate in these networks for a variety of reasons.

To find a dentist under your Medicare Advantage plan, start by checking your plan’s provider directory for in-network options—don’t rely solely on online searches, as they may be outdated. If you’re having trouble, contact your plan directly for help locating a participating dentist and understanding your coverage. Some plans offer limited out-of-network benefits, so review any cost-sharing details before proceeding. If no in-network dentists are available, explore alternatives like dental discount plans, separate private dental insurance, low-cost clinics, or Medicaid (if eligible). Your insurance company may also offer assistance in finding a provider or exploring other options.

Answer: Medicare doesn’t cover most long-term care, such as help with bathing, dressing, or using the bathroom—services often needed with chronic illnesses or disabilities. To prepare, consider exploring Medicaid eligibility or purchasing private long-term care insurance. Planning now ensures you can access the care you may need later—whether at home, in the community, or in a facility—while maintaining independence and control over where and how you receive support.

Answer: "What I enjoy most about working with Medicare clients is the personal connection. I genuinely love listening to their stories and gaining wisdom from their life experiences—it’s a privilege to serve a generation with so much knowledge and resilience. My dad was 51 when I was born, so I’ve been around seniors my entire life. That upbringing shaped my heart for this work and prepared me to serve with patience, understanding, and respect. Helping seniors navigate Medicare and uncover benefits they didn’t know they qualified for is more than a job to me—it’s a calling."

Answer: Yes, Plan G can cover a total knee replacement—even if scheduled before purchase—provided you enrolled during your Medigap Open Enrollment Period. It fills gaps in Medicare coverage by paying deductibles, copayments, and coinsurance. If enrolled outside that window, a waiting period for pre-existing conditions may apply.

Answer: The "Scope of Appointment" defines the parameters of a Medicare insurance meeting and must be completed prior to the sales appointment. This is normal and a requirement according to CMS. Call centers are not exempt from this requirement. Currently, there is a 48-hour delay between the completion of the SCOPE and the sales meeting.

Answer: When educating clients who are new to Medicare, I start by breaking down the basics—what Medicare is, who qualifies, and the different parts (A, B, C, and D). I tailor the conversation to their personal health needs, medication, and doctor preferences, using clear, simple language to explain coverage options and enrollment timelines. I also address common misconceptions, provide trusted resources like Medicare.gov, and encourage open communication so they feel confident and supported throughout the process.

Answer: Even with the 2025 $2,000 out-of-pocket cap on Medicare Part D, there are several additional programs that can help lower your medication costs. Consider using GoodRx for discounts, applying for patient assistance programs through drug manufacturers, checking your eligibility for state pharmaceutical assistance programs, and exploring Medicare’s Extra Help (Low-Income Subsidy) program. You can also save by using generics, mail-order pharmacies, or choosing a different Medicare Part D plan during open enrollment.

Answer: Yes, if you relocate to a different state, you must notify Medicare of your new address. Since the Social Security Administration or Railroad Retirement Board oversee Medicare enrollment, you should update your address with them. Your coverage under Original Medicare (Parts A and B) remains national, but you might need to look for new medical providers in your new location. It might be necessary for you to change your Medicare Advantage (Part C) or Part D prescription drug insurance, particularly if your existing plan isn't offered in your new state.

Answer: Yes, preventative screenings are covered by Medicare. Click on the link to get a complete list of the screenings that are covered. https://www.medicare.gov/coverage/preventive-screening-services