Steven LaPorte, Medicare Insurance Agent

Answer: You have three months prior and three months after your 65th birthday to apply for Medicare part A. You can at the same time apply for Medicare part B and choose a Medicare plan that best fits your circumstance.

Answer: Yes, but you will be responsible for paying out of pocket for the Medicare premium at the time of enrollment.

Answer: Plans coverage varies but some Advantage plans cover up to a certain amount for hearing aids. It’s best to seek a licensed Medicare agent that offers several different plans to see what fits your needs best.

Answer: If you’re already enrolled into a Medicare plan, especially an Advantage plan. The key is to try your best to stay within the plans network of doctors and hospitals. And try to make sure your medications are within the plans formulary.

Answer: A Medicare broker is typically contracted with several insurance companies verses a direct Medicare agent that is typically contracted with one insurance company. A broker agent usually has better options on a plan that better fits an individual needs.

Answer: You can look up the summary of benefits in your policy, go to your insurance company website or call the customer service number on the back of your insurance card to find out. Or call the insurance agent that helped enroll you.

Answer: I don’t see where Medicare advantage are taking over the system. They are just offering an all-in-one plan for people looking for one that include vision, dental, and other add-one. And in some areas is able to offer the plan at zero premium above the initial Social Security draw amount. A Medicare advantage plan is not for everyone.

Answer: A wellness visit is not a physical exam. It is a review of your medical and family history, health risk assessment, your vitals which include blood pressure height, and weight and cognitive impairment screening. And is a written health plan going forward. It is also a review of your doctors and medication’s in a preventative plan going forward.

Answer: There are a lot of factors involved in choosing an affordable Medicare plan. One depends on how the premium is being made, through your social security or out right paying. Some Medicare Advantage plans offer zero premium over the SS deduction in some areas. I’d highly suggest scheduling an appointment with a licensed and certified Medicare insurance agent. And one that is certified with several insurance company so that you have more options to fit your circumstance.

Answer: I would highly suggest a licensed Medicare advisor to assess your part D needs as well as doctors and hospitals needing to be covered pertaining to your situation. Choosing a Medicare plan can be confusing, it’s imperative that you choose an advisor that will suggest a decision to the best of your interest!

Answer: There are many topics to consider, but the most important with any plan is to make sure your doctors, clinics and medications are covered under the chosen plan. Also know that if someone has medical issues or travels for long periods, a supplement will give the more flexible coverage options but comes with a premium cost and can go up over time. Besides this there are still other things to consider in a Medicare plan.

Answer: Most all insurance policies has coverage gaps to cover the risk and to transfer some of the responsibility to the policy owner.

Answer: Having the ability to spend time helping them find the best plan options that fits their circumstance.

Answer: For your initial enrollment into Medicare, moving doesn’t affect the eligibility time. Either way you have three months prior and three months after your 65th birthday to enroll. If you are speaking of switching Medicare plans due to moving outside of your plans service area, you atomically qualify for enrollment within your new home area.

Answer: With limited information, It does cover mental health conditions and therapy but may be limited to certain services and frequency of visits, depending on the Medicare plan you’re enrolled in.