Shahwali Hotaki, Medicare Insurance Agent

Answer: Yes, it’s legal. Medicare is guaranteed once you’re eligible, but Medigap is private insurance with its own rules. Outside your one-time Medigap Open Enrollment Period (the 6 months after you first get Part B), insurers can use health history to deny or charge more.

Answer: Medicare only covers short-term skilled care after a hospital stay — it does not pay for long-term custodial care like help with bathing or dressing. To prepare, you should look into options such as long-term care insurance, hybrid life policies with LTC benefits, Medicaid planning, or setting aside personal savings.

Answer: Answer in simple terms:

As a green card holder, you’ll be eligible for Medicare after you’ve lived in the U.S. for 5 continuous years. At that point, when you turn 65, you can apply — but unless you (or your spouse) have 10 years of work history paying Medicare taxes, you’ll need to pay for Part A.

Answer: If your preferred hospital isn’t in-network with your Medicare Advantage plan, you’ll likely pay more or may not have coverage (except for emergencies). You can either use an in-network hospital, request an exception, or switch plans during an enrollment period if keeping that hospital is important.

Answer: No — you can usually keep your New York Medigap plan in Florida, but check if your premium changes and compare local options.

Answer: Yes — Medicare covers asthma and other breathing conditions through doctor visits, tests, medications (Part D), and equipment like oxygen (Part B). Costs depend on your plan.

Answer: Medicare Advantage vs. Medigap

1. Do you want to see any doctor in the U.S. who takes Medicare?

➡ Yes → Medigap

➡ No → Go to Question 2

2. Is keeping your monthly premium as low as possible your top priority?

➡ Yes → Medicare Advantage

➡ No → Medigap

Answer: Currently, Medicare does not base premiums on lifestyle factors like smoking, diet, or exercise habits.

However, in theory, it could — but it would require major changes to federal law. Medicare is a federal entitlement program, so premiums and cost-sharing are set by statute and tied to income

(through IRMAA surcharges), not personal health behaviors.

Some private insurance models — like certain employer plans or Medicare Advantage wellness incentives — already reward healthy habits with lower costs or perks. If Medicare ever moved toward a tiered premium system based on lifestyle, it would raise big policy debates about fairness, privacy, and whether it might discourage people from seeking care.

In short: It’s possible in theory but unlikely without sweeping legislative reform.

Answer: Yes, many of my clients use the Medicare Advantage over-the-counter (OTC) drug cards. These cards provide a set dollar amount—often quarterly—that can be used to buy health-related items like pain relievers, vitamins, and first-aid supplies at approved retailers or online. It’s a great way to save money on everyday essentials.

Answer: Medicare covers up to 100 days of skilled nursing care after a hospital stay—only for rehab, not long-term custodial care. If you need help with daily living beyond that, Medicare stops paying, and you’d need to pay out-of-pocket or apply for Medicaid.

Answer: Without a Medigap plan, Original Medicare has no out-of-pocket limit, meaning you could face high medical bills if you need frequent or expensive care—especially for hospital stays, surgeries, or long-term treatment. You’re responsible for 20% of most costs with no cap.

Answer: Yes, Medicare Advantage plans can save seniors money—often around $2,500 a year—by capping out-of-pocket costs and including extra benefits like dental, vision, and drug coverage. But they may have network restrictions and require pre-approvals for some services. Whether it saves you money depends on your health needs and preferences.

Answer: Medicare does not cover home modifications such as stairlifts, even if they’re recommended by a doctor. Stairlifts are classified as home modifications, not Durable Medical Equipment (DME), and so are excluded from Original Medicare coverage (Part A, Part B) and Medigap Supplement plans

Answer: Working with a Medicare agent can save you time, stress, and money — especially when you’re navigating complex choices

Answer: Medicare does not cover medical marijuana, even if it’s prescribed for chronic pain, cancer, or other serious health conditions. This is true regardless of whether your state has legalized it.

Answer: Lifetime Reserve Days are 60 extra hospital days Medicare Part A gives you to use after Day 90 of a hospital stay. You can only use them once in your lifetime, and you’ll pay a daily coinsurance when you do. Once used up, they're gone for good.

Answer: Yes, you can be denied a Medicare Supplement plan if you apply outside your 6-month Medigap Open Enrollment Period and don’t have guaranteed issue rights. During that period, you're protected—no medical questions, no denials. After it ends, insurers can ask health questions and may deny coverage based on pre-existing conditions.

Answer: Yes, here are some key guidelines when filling out your Medicare application:

Use your full legal name exactly as it appears on your Social Security record.

Double-check your Medicare number if applying for Part B.

Sign and date the form—no digital or typed signatures.

If you're applying after age 65 due to employer coverage, include form CMS-L564 from your employer.

Use the “Remarks” section to request a specific start date.

Submit your application online or fax/mail it to Social Security to avoid delays.

Be accurate—small mistakes can cause processing delays or penalties.

Answer: Yes, Medicare is becoming more expensive over time. Premiums, deductibles, and out-of-pocket costs have steadily increased, and this trend is expected to continue.

Part A may face funding shortfalls by the mid-2030s, which could lead to reduced benefits unless changes are made. However, Parts B and D are likely to remain funded, though costs will keep rising.

Planning ahead and exploring supplemental coverage can help manage future expenses.

Answer: Yes, if you moved to a new state, you may need to update your Medicare coverage—especially if you have a Medicare Advantage Plan or Part D (prescription drug plan). These plans are often state- or region-specific. You’ll get a Special Enrollment Period to switch to a local plan. If you have Original Medicare only, you just need to update your address with Social Security.

Answer: Yes, Medicare may cover genetic testing if your doctor deems it medically necessary based on your family history and risk factors. The test must be ordered by a Medicare-approved provider and used to determine if you carry gene mutations linked to certain cancers, like BRCA1 or BRCA2. Coverage depends on meeting specific criteria, so speak with your doctor first.

Answer: Medicare doesn’t cover long-term custodial care in a nursing home or assisted living, so it’s important to plan ahead. Options include long-term care insurance, Medicaid planning, hybrid life insurance policies with care benefits, or using personal savings. Starting early with a financial planner or elder law expert can help protect your assets and ensure you’re prepared.

Answer: That’s a very smart question—and an important one to ask. Just having Medicare Part A doesn’t automatically mean every hospital stay will be fully covered. Here’s how it works, in simple terms:

Medicare Part A Covers Inpatient Hospital Stays

…but only if you are officially admitted as an inpatient by a doctor.

Key things to look for:

Admission Status Matters:

You must be admitted as an inpatient, not just kept for observation (even if you stay overnight).

Tip: Always ask, “Am I officially admitted as an inpatient, or under observation?”

What’s Covered Under Part A:

Semi-private room

Meals

General nursing

Drugs as part of your inpatient treatment

Necessary hospital services and supplies

What You May Pay:

$1,632 deductible (in 2024) for each benefit period

After day 60: daily coinsurance starts

After day 90: lifetime reserve days apply (you have 60 total in your lifetime)

Answer: Yes, Medicare can cover certain wearable medical devices—but it depends on the device, the medical necessity, and the specific Medicare coverage you have.

Answer: Honestly, what I love most about being a Medicare agent with Ikhlas is knowing that I’m helping people when they need it most—especially our elders, who often feel confused or overlooked when it comes to their healthcare choices.

As a captive agent, I don’t just represent a product—I represent a mission. At Ikhlas, we serve with sincerity, and that means everything to me. When a client tells me, “I finally understand my plan, and I feel taken care of,” it reminds me why I do this.

It’s not just about sales. It’s about trust, clarity, and real human connection. I'm proud to be part of a team that leads with integrity and puts people first, every single time.