Sherry Rose, Medicare Insurance Broker

Answer: Yes—Medicare covers both, but under different parts. Nebulizers (and the medications used with them) are typically covered under Part B as durable medical equipment when medically necessary. Inhalers are usually covered under a Part D prescription drug plan or a Medicare Advantage plan, and coverage depends on the plan’s formulary.

Answer: Yes! It is important to know what the deductibles will look like for each person. Please contact us to discuss your options.

Answer: You can sign up three months before your 65th Birthday, the month of and three months after. In total you have an open window of 7 months to enroll.

Answer: No you cannot be turned away from an Advantage plan due to your health.

Please call our office for assistance and to answer any questions.

Answer: Those two go great together! Please call our office so we can assist you! We would be happy to go over your options!

Answer: No there is no penalty for switching back to Original Medicare, However please call our office for advise.

Answer: You can call the number on the back of your ID card, or call our office to look at the benefits for your plan!

Answer: If you are coming off Group Insurance and only have Part A, then yes!

If you have Part A and Part B and are still coming off group insurance, it is smart to contact us to ensure your Medicare is set up correctly, avoid penalties, and ensure you have credible coverage.

Answer: There are payment plans and options available!

To get more information and assistance setting this up, please contact us.

Answer: The only time you can go onto a Medicare Supplement without answering Health questions is the 3 months before and 3 Months after turning 65.

Answer: Medicare Advantage and Supplement plans are personal choices, and each client should choose what best fits their needs and situation!

Answer: Penalties and Open Enrollment windows!

Please call our office at 706-638-003. We will be more than happy to assist!

Answer: Contact us.

Or call your Prescription Drug Coverage Company, the number on the back of your ID card.

Answer: Medicare is a personal choice; all plans are great and depend on the client's situation.

Contact us so we can better assist you. Please feel free to reach out.

Answer: Bankruptcy does not affect your coverage through Medicare.

Please feel free to contact us with any questions or concerns.

Answer: Medicare options can vary widely for each individual. We will be more than happy to help you explore options that best fit your needs.

Contact us.

Answer: Please contact us for further assistance. We get it, Medicare is complicated, but it does not have to be. We are here to help, make it easy and understandable. Medicare plans can vary for each person, depending on their situation.

Answer: Medicare alone does not cover Hearing Aids. If you are looking for coverage that does, we have options for you. Please feel free to contact our office.

Answer: You can call Social Security and request a new Medicare card, or log in to your SSA account and request one there. If you need further assistance, please contact us

Answer: When switching to a Medicare Advantage plan, it is important to ensure your doctors are in the network of the particular company. Please contact our office to further answer your question.

Answer: Schedule an appointment with our team to go over your options in detail and make it easy for you. We would be happy to compare plans and find ones that best fit you. To schedule an appointment, you can contact our office.

Answer: This can vary, depending on what Medicare plan you are on. Please contact our office so we can further assist you.

Answer: Original Medicare (Part A and Part B) covers up to 80%, if you are worried about it being fully covered, call our office to look into further options. Our office will be happy to help.

Contact us.

Answer: Please contact our office to further assist you.

Original Medicare does not, however, offer other options to help! We can help look at your options!

Answer: People who have had disability benefits for 2 years or more, As well as End stage renal disease.

Please contact our office for any other questions or to set up an appointment.

Answer: Yes of course, it always a good idea to have 4 ears instead 2!!

Please contact our office to set up and appointment or answer any other questions you may have!

Answer: Thank you for asking. We would love to help answer that question for you. If you could please contact us for further assistance.

Answer: I would advise anyone looking at Medicare to consult a broker who represents several companies and compare the supplement versus the advantage plans.

Answer: I personally believe it is a personal decision which you feel is best however I can say you have an open network with Medicare and a supplement meaning if they accept Medicare the supplement picks up. With a supplement you can go to any doctor in the US that accepts Medicare. More doctors take Medicare than the Medicare Advantage. You normally have more out of pocket cost with a Medicare Advantage if you use the plan it normally has a lower monthly premium than the Supplement. I would recommend speaking to an agent to answer these questions in detail.

Answer: Based on your individual plan once you reach your total out of pocket you should not have any additional cost for your part A and B coverages.

Answer: You should receive your ANOC letter by the end of September to show you your new coverages for the 2026 year.

Answer: Medicare Supplements coordinate with Medicare coverage and pick up where Medicare leaves off; whereas a Medicare Secondary Insurance would be like an employer plan or other coverage that pays after Medicare. It is different in that Medicare Secondary is second to Medicare and does not coordinate with Medicare.

Answer: The 2025 Medicare Part D changes, will significantly benefit someone like you with rheumatoid arthritis. Once you reach the $2,000 limit, you won't have to pay any more out-of-pocket for covered Part D drugs for the rest of the year.

Answer: Medicare typically does not pay for dental implants or most routine dental care (like cleanings, fillings, tooth extractions, or dentures). However, there are some exceptions and alternatives worth knowing:

1. Original Medicare (Parts A & B)

Does NOT cover dental implants or routine dental care.

It may cover a dental service if it's medically necessary as part of a covered medical procedure. For example:

If you need jaw reconstruction after an accident and dental implants are part of that surgery.

If a hospital stay is required for a complex dental procedure due to a serious health condition.

Answer: Have you applied for Extra Help on your Prescription cost? Also, you can check your prescription plan during the Annual Open Enrollment each year that runs from Oct 15th to Dec 7th of every year.

Answer: Medicare Savings Programs (MSPs) are state-run programs that help people with limited income and resources pay for some or all of their Medicare costs. These programs can significantly reduce out-of-pocket expenses for eligible individuals. Here’s how they help:

1. Pay Medicare Part B Premiums

All MSPs help pay for the monthly premium for Medicare Part B, which covers doctor visits and outpatient services. In 2025, this premium is typically $174.70/month.

2. Cover Deductibles, Coinsurance, and Copayments

Some MSPs also cover:

Medicare Part A (hospital insurance) premiums (if applicable)

Part A and Part B deductibles

Coinsurance and copayments for services

3. Qualify Automatically for Extra Help with Prescription Drugs

If you're enrolled in an MSP, you automatically qualify for Extra Help, a program that reduces prescription drug costs under Medicare Part D.

Answer: You do not have to sign up for Medicare A & B again. Depending on the type of plan you currently have, such as a MAPD, you have an open window to change your plan within the first 6 months of turning 65, during which you will not be asked any health questions and can move to a Medicare Supplement plan.

Answer: Zero Premium is the cost you pay for the plan unless you have a penalty related for not carrying a prescription drug plan. I do not define a plan as zero cost since that could not be the case.