Sonya Chandler, Medicare Insurance Agent

Answer: It depends on what type of insurance Plan you have and what medication you are taking. You can schedule a free consultation with me at chandlerinsuranceservices.com and we can discuss this further

Answer: I enjoy knowing I'm helping people when they need it most. This isn't just a job it's a mission. I get to sit down, break things down clearly and protect people from making costly mistakes. I love seeing that moment when it clicks for them and they feel confident instead of confused. It's about building relationships not just selling plans. I'm here for the long haul, providing guidance and support.

Answer: Provider contracts can change throughout the year. This is why a provider may have been in network when you enrolled into the plan and then out of network after.

Answer: Medicare seminars are a good way to get your questions answered. There is no obligation to enroll in a plan at the seminar nor do you have to give anyone your contact information. The choice is always up to you.

Answer: The biggest disadvantage is you have to follow the rules of the plan. Sometimes you have to get prior authorization for certain procedures. You also may have to use providers who participate with the plan.

Answer: Generally a person would pay 20% of the Medicare approved amount and the Part B deductible applies for mental health care services.

Answer: If you are already retired and collecting Social Security when you turn 65, you are generally automatically enrolled into Medicare Parts A and Part B when you turn 65.

Answer: Medicare Part B covers Flue shots, Hepatitis B, Pneumococcal shots and Coronavirus vaccines. Medicare Part D covers shingles, tetanus, diphtheria and pertussis.

Answer: Ask your doctor to submit a pre-determination of benefits to the insurance company or Medicare prior to performing the procedure. You can also call Medicare or the insurance company with the procedure code provided by your doctor and ask if it's covered.

Answer: One of the biggest frustrations agents have is when Medicare automatically enroll clients into prescription drug plans. Then the agent has to explain why this happened and fix the problem by enrolling the client into the correct Medicare plan.

Answer: You can protect yourself from Medicare related scams by not giving out your Medicare information to people who call you on the phone, or by not responding to mail you receive from marketing companies.

Answer: A PPO is a great way to see providers who participate with the plan and providers who do to participate with the plan. Yet, when you use non-participating providers the cost is generally higher.

Answer: Some clients think they know what's best. Other times clients tend to listen to their friends or take the advice from something they seen on television. There are a lot of variables that make people susceptible to enrolling into bad Medicare plans. This is why it's best to work with a knowledgeable Insurance Agent like myself.

Answer: How often can I change my Medicare Plan? How can I avoid paying high out of pocket cost? Is there a difference in cost when using pharmacies?

Answer: You can go to the Plan's website. You can also contact the Insurance Plan directly and ask about the medication. You can also go to Medicare's website and look the medication up. You can also ask your Insurance Agent for help.

Answer: Special Needs Plans are for people with certain chronic conditions. They are also for people who have Medicare and Medicaid.

Answer: The affordable care act has lowered the cost for covered insulin to more than $35.00. This cost is the same whether you're on a Part D Plan or a Medicare Advantage Plan.

Answer: I go over all of the parts of Medicare (Part A, B, C and D). I do this by phone, by webinar or in person.

Answer: As your Insurance Agent I would get a list of all of your current doctors. Then we would look for a Plan that covered all of your doctors so you could keep them.

Answer: You have to do what's best for you. As everyone's situation is different. I would explain the Medicare Advantage Plans and Original Medicare and help you to make an informed decision.

Answer: You need to consider the cost of Medicare. You also need to consider the copays, coinsurance and cost of any medications you may be taking.

Answer: I would advise every senior to consider using a trusted Insurance Agent like myself. I would tell them to not make this decision alone as it could cost them in the future.

Answer: If you want to save money on lab test under a Medicare Advantage Plan, you need to use a participating lab.

Answer: Yes, you can change Supplemental/Medigap plans anytime through out the year. You can go from one Supplemental/Medigap Plan to another.

Answer: You can keep your New York Plan in Florida. Yet, you should check to see the cost of the Plans in Florida as you may be able to save on premium.