Sandy Nelson-Tittsworth, CMIP, Medicare Insurance Broker

Answer: You can change your plan during annual enrollment from October 15 through December 7 and your new plan will start January 1.

There are special election periods, but only if you have a chronic illness or qualify for Medicaid or you are moving out of an institution such as a skilled nursing or hospital facility.

Answer: The biggest disadvantage is some medical providers don’t contract with every Medicare advantage plan. Also, if you’re a high user of medical services, the only other complaint about MEDICARE advantages plan is that it’s not one steady payment like it is with a Medicare supplement.

Answer: I don’t know your personal situation of why your Part B the premium would increase by $100.

Could be your benefits changed, and you lost money on a giveback plan which lowers your part B premium. Could be that you had income above a certain level or they charge you more for your part B premium.

Answer: A divorce does not affect your benefits and Medicare. Everyone is separate in MEDICARE meeting. It’s not group Insurance which covers more than one individual.

Answer: One of the reasons to work with an insurance agent and better yet an insurance broker who has access to Moore insurance companies; is that they are aware of the pros and cons on every plan. They can assist you with matching a plan to your doctors and medications and knowing the features of the plan to fit your traveling needs for your health needs brokers can also assist you in working with the insurance company if there are any problems with your insurance working properly or claims issues

Answer: Our biggest frustration as agent is key information that we give to Medicare beneficiaries is not retained whether it is written emailed or texted or verbal. And they’ll believe the TV ads, which, for the most part lie about what people are eligible for and believe telemarketers who call illegally through the phone flipping their plans where they lose their doctors and their medication covers all for a gimmick supplement benefit.

Answer: You can change your insurance 30 days in advance of your move and plans will be available to you based on your new ZIP Code. Or you can change your plan 60 days post the move based on the change in your ZIP Code.

Answer: You must have 10 years of working experience to qualify for Medicare. Four years is insufficient you can validate that with Social Security as well.

Answer: Can’t say that a part D plan with original MEDICARE is better unless you plug in the medications and the pharmacy to compare the pricing.

Answer: The donut hole no longer exists in 2025.

The maximum out-of-pocket for drug cost is $2000 in 2025. When you reach the maximum cost after paying your drug deductible and co-pays for your medications, you will pay zero dollars for your medications.

Answer: What I like most about being a Medicare insurance broker is helping people select the correct plan as well as using their plan correctly to keep the money in their pocket.

Answer: Part B covers medically necessary clinical diagnostic laboratory tests when your doctor or other health care provider orders them. Medicare also covers some preventive tests and screenings to help prevent or find a medical problem.

You usually pay nothing for Medicare-covered clinical diagnostic laboratory tests.

Answer: On Medicare Advantage plans, physical therapy visits are copays. Original Medicate and Medicare Supplements require paying the Medicare deductible first, then 20%.

Answer: Medicare covers hip, knee, and shoulder replacement surgeries if they are deemed medically necessary by a doctor. Coverage includes the procedure (inpatient or outpatient), the device, and related rehabilitation. Costs typically include a deductible, 20% coinsurance (Part B), and potential, though, with Medicare supplements reducing out-of-pocket expenses. Medicare Advantage Plans will be copays based on Hospital Stays or Ambulatory Surgical Center for operation. Then Physical Therapy for rehabilitation.

Answer: Yes, and it's listed under Preventative Services in all Medicare Advantage Plans Summary of Benefits.

Answer: Mostly likely YES. We can search the Networks for a Match on your current Doctors to find the best plan for you.

Answer: There are many rules that Insurance Beokersare aware of.

I would suggest you work with an Insurance Broker; there’s no way you can learn all this on your own.

Answer: It’s helpful to follow up so you provide clarity and ensure the understanding of the prior conversation. People can interpret things differently based on their backgrounds.

Answer: Yes, you can use your Medicare benefits right away. However, if you’re just using your MEDICARE, red white and blue card, you have no protection meaning, you have no maximum out-of-pocket to limit your financial risk.

Answer: Special needs plans are made for chronically, ill situations and people who qualify for Medicaid and Medicare.

Answer: As long as you have GROUP health insurance, there is no penalties for waiting till 70 to go to MEDICARE

Answer: I would recommend an annual physical exam which you can set up through your primary care doctor most are zero dollar co-pay and a zero for the lab work.

Get an assessment and they will set you up with preventative mammography or preventative colonoscopy.