Stanley Wittenberg, Medicare Insurance Agent

Answer: Due to monies taken from the advantage programs by the Inflation Reduction Act the companies do not have the ability to provide the benefits as before. In 2023 & 2024 the Advantage programs were put at a disadvantage for 2025 & 2026z PPO programs were cancelled and all agents were told to move clients into other programs.

They also informed the brokers and agents they would not be compensated for enrolling clients into the new programs.

Answer: The Hospital plan provides funds to help cover extra expenses. It can be used a number of times. No plan covers everything

Answer: Too much advertising on TV that directs them to call centers. The people answering don’t really get to know the people and their situation. It is impossible to advise them properly or on a personal level . They also listen to family and friends who don’t know the full extent of the misinformation they give them

Answer: Call an agent who will come out and show you how programs work.

Need to have everything evaluated for your future needs

Answer: In managed care all procedures are authorized through that company. You get a letter as well as check online. With your surgeon as well

Answer: It usually does depending on what CMS and the Medicare offices look at for costs. Never seems to go down.

Answer: No. There are no qualifications for an exchange. It is easy to do in Connecticut.

Contact us to make an appointment

Answer: No. It was planned through Medicare CMS in order for patients to get more benefits not provided by Medicare.

Glasses, dental and fitness membership are not included in regular Medicare

Answer: Those calls are probably from an agent looking for people who are on state welfare or husky programs. Those have programs for groceries and other essential needs

Answer: Basically yes. The hospital costs and rehab in skilled nursing care are covered as well. The deductible for physicians part B is not but that is minor and you should be fine

Answer: The fact that if you have a supplement with it you can use it anywhere in the US.

Then the medical costs are handled better.

You still need a Drug program as well.

Answer: They don’t, but they can help in some cases reduce your costs. It would work many times instead of your part D program

Answer: It allows you to have peace of mind and calculate your other needs. Proper planning is key for everyone.

Answer: The ability to make sure that you have all the information you need to make a decision based on your personal circumstances.

It takes time and in most cases sitting down with you.

Answer: For the most part no. The problem is with the patients who attempt to take advantage of the system. The physician needs to make sure the patient’s paperwork is properly documented

Answer: Absolutely not. The reverse would happen. Not enough money would be available and state welfare would be the norm

Answer: Best to speak to a Medicare Agent or broker who can guide you to the best program .

There are many changes for 2026 coming up.

Answer: It doesn’t pay for assisted living. They never have. Seniors today need to look at extended care options on their own to help with that situation.

Contact me if you wish to discuss this further

Answer: After January 1st you can make one change back to Original Medicare . Can do it from January to March 31st

Answer: Then regarding prescription cost for coverage will cost 1% per month more depending on how long the coverage can’t be authenticated

Answer: Depending on the company, the formularies have changed, whether you are on a standalone one or MAPD.

If you have any questions, please get in touch with me, or if you have an agent, contact them

Answer: Full exam including ekg. Might be slight cost to ekg. Other costs are covered . Usually blood work included

Answer: Preventative care with a nutritionist and monitoring your food intake as discussed with your physician.

Answer: In order to make the best decision as to the plan best for you. Considering all your needs helps an agent show you the best options

Answer: Due to the funds taken from Medicare by this act the various Managed Care Plans have had to reduce benefits. In most cases they have had to cancel plans in various counties.

The only areas still covered without changes are those with Medicaid programs.

Those clients rightly deserve them, but others will lose plans and be forced to find new ones.

THAT IS WHAT WE AS AGENTS CAN HELP YOU