Stacey Portugal, Medicare Insurance Agent

Answer: I couldn't say for sure but the vast majority of my clients have medicare advantage plans and are happy with the additional benefits and low copays.

Answer: The answer is, it depends on why the test is being ordered. If it's medically necessary to follow up on an abnormal mammogram or if there's an issue (a lump, etc) then it will likely be covered. However, these tests are not typically covered as a preventative service.

Answer: Yes, there are often out-of-pocket costs for cataract surgery, but it depends on the coverage. If you have Original Medicare, your Part B will cover 80% of the cost after the Part B deductible has been met. If you have a Medicare Supplement in addition to your Part B, the the cost can vary depending on the plan that you chose. Medicare will also cover one pari of standard eyeglasses or contact lenses after cataract surgery with an intraocular lens.

If you have a Medicare Advantage plan the plan will cover the surgery but copays and coinsurance vary from plan to plan so it's best to call customer service or your agent to determine the cost.

As for the optional upgrades, Medicare generally does not fully cover these so please check with your doctor.

Answer: This is a vague question but my answer to this would be to fill out the application carefully (read every question) and, if you're applying for part b be sure to check the box on the application when asked if you want Part B). Also, if you're looking for a different effective date than the upcoming first of the month, you can make a note of this in the notes (by saying something like: please give me a 3/1/26 effective date).

Answer: No, this is not true. There is no life insurance included with a Medicare policy.

Life Insurance for a senior can be a valuable tool for your loved ones to avoiding a financial burden. There are many examples of this; one being if a loved one needs to help out with your expenses they can be repaid upon your death. Also, life insurance can be useful as a legacy for your loved ones.

Answer: The IRMAA surcharge has a two year look back and, once you retire (and make less money) your IRMAA should decrease or go away all together.

Let me know if you have questions.

Answer: Medicare may cover a visiting nurse if the doctor prescribes it but in terms of consistent help at home you are on your own but, there are many products that can suit your needs and budget.

Let me know if you have questions.

Answer: Life Insurance (or a Final Expense Product) does not come with Medicare but you can speak to myself or another Licensed Agent for information to find the best suited product for your needs.

Let me know if you have questions.

Answer: Yes Medicare covers a visit with a specialist as long as they accept payment from Medicare.

Let me know if you have questions.

Answer: The GLP-1 Bridge program is for those who have a Part D plan but this program doesn’t actually count towards your Part D coverage speak with your doctor to get the prior authorization and, if you qualify, be sure that the pharmacy bills the Bridge program (not your Part D drug plan).

Let me know if you have questions.

Answer: Working with a licensed agent can provide the support and resources you need to make a well-informed decision while having an advocate on your side when issues arise.

Let me know if you have additional questions.

Answer: Medicare covers palliative care with Part A and B; this usually includes doctors, specialists, PA’s etc.

Hospice is covered by Medicare Part A and Medicare coverage for efforts to cure the patient ceases after hospice is elected.

Let me know if you have additional questions.