Seyed Kamarei, Medicare Insurance Agent

Answer: No most of the prospectss are not interested with supplemental not all of them because of problems they have

Answer: Personal service,easy answer fast solution, local knowledge, No extra cost, No pressure, just good advice,

Answer: late enrollment penalty and Most Medicare Advantage plans automatically include Part D while original Medicare does not. If you switch from Medicare Advantage to original Medicare and do not choose a Part D plan within 63 days, you may incur a late enrollment penalty and / or higher premiums for it./ or higher premiums for it.

Answer: In most cases, you won't have a right under federal law to switch Medigap policies, unless: You're within your 6-month Medigap open enrollment period, or. You're eligible under a specific situation or guaranteed issue right (when an insurance company can't deny you a Medigap policy). What are guaranteed issue rights?

Answer: Yes and no. Medicare Part A and Part B will always travel with you. But for Medicare Advantage (Part C) plans and Part D prescription drug plans, you may lose your existing plan and need to enroll in a new one

Answer: Yes! Starting in 2025, Part D will cap your out-of-pocket drug costs at $2,000 per year. There's also a new payment plan that lets you spread costs out monthly, which can be a huge help if you're on an expensive specialty medication. It's still important to check each plan's formulary to make sure your drug is covered

Answer: Medicare rules allow you to delay enrollment in Medicare Part B and/or D when you are covered by an employer group health plan, regardless of the number of covered employees, if your health coverage is based on your or your spouse's current, active employment

Answer: Medicare Advantage star ratings provide a general indicator of a plan's quality and can influence the level of care you can expect. A higher star rating (5-star being the highest) generally suggests a better overall experience and higher quality of care, while a lower rating may indicate areas where the plan needs improvement.

Answer: Generally speaking, if you do not sign up for Medicare on time, you may have to pay a 10% surcharge on Medicare Part B premiums for each year you go without coverage starting the month you're eligible for coverage. You'll have to pay this penalty each time you pay your premiums as long as you have Part B.

Answer: All personal information sections are mandatory, including your name, Social Security number, date of birth, and address. The sections about current health insurance coverage and Medicare eligibility are also required to process your application.

Answer: To summarize: You would not pay both of these charges. If you have Part A only would you pay the $1676 deductible (or 20%) and with the Medicare Advantage Part C plan you would pay the $350 per days 1-5 deductible and after that, you would not have any additional inpatient hospital charges

Answer: Lower drug costs ( Copays/CoinsuranceReasons for choosing a high-cost Part D plan: Lower Drug Costs (Copays/Coinsurance): A plan with higher premiums might have much lower copays or coinsurance for your specific, costly medications, leading to significant savings compared to a cheap plan where those drugs cost a fortune)

Answer: Because agents get paid from the insurance carriers directly , not from individual clients. In addition, Medicare agents are licensed with many different carriers and can help find clients the best possible plan with most extensive coverage at the lowest cost.

Answer: The main PPO disadvantages include higher premiums and out-of-pocket costs compared to HMOs, fragmented care with poor provider coordination leading to duplicate testing, limited bargaining power against consolidated health systems that negotiate higher rates, increased costs from out-of-network patient choices, ...Jan