Steven Lovell, Medicare Insurance Agent

Answer: Helping this in need of Medicare is extremely satisfying. To know that I have helped someone get, covers their medical bills is pure satisfaction.

Answer: The primary trade-off between Medicare Advantage PPO and HMO plans lies in flexibility and cost. HMOs generally offer lower premiums and lower out-of-pocket costs, but require you to choose a primary care physician and may have more restrictive networks. PPOs, on the other hand, allow you to choose any provider within or outside the network, often without referrals, but come with higher premiums and potential for higher out-of-pocket costs.

Answer: Generally, Original Medicare (Parts A and B) does not cover the cost of smartwatches for heart rate tracking. However, some Medicare Advantage plans (Part C) may offer additional benefits that include coverage for certain wearable devices, or even reimbursement for them. It's crucial to check with your specific Medicare Advantage plan to see if they offer this type of coverage.

Answer: I had a client that was still within their open enrollment opportunity but Medicare said otherwise. I had to prove timeframes were incorrect in the system and that client could still get approved without underwriting. Client was already sick but would be covered once approved. It was resolved and client received coverage.

Answer: Medicare will cover palliative care for serious illnesses through Part B and hospice care through Part A. Palliative care can be provided along with ongoing treatment. This care focuses on comfort and quality of life. Hospice care is for individuals with a terminal illness and 6 months or less of life expectancy. It also focuses on comfort and support rather than seeking a cure.

Answer: The star rating system helps the center for medicare services rate the performance of medicare advantage and part drug companies.

It also helps individuals rate quality of care and performance

Answer: Medicare basically is a federal heakth insurance plan consisting of 4 different parts.A hospital b medical c advantage and d drug plan.

Answer: Yes medicare does cover acupuncture specifically for low back pain. There are a limited number of visits per year allowed.

Answer: Original medicare will not medical care in any other country other than united states and its territories.

Answer: Medicare a and b does not cover hearing aids or the exams to fit them.Other plans such as medicare advantage might cover in a limited fashion.

Answer: Yes medicare will cover acupuncture for low back pain up to 20 sessions per year through Medicare A and Medicare B

Answer: Medicare covers part-time or intermittent skilled nursing care, physical therapy, occupational therapy, speech-language pathology services, and medical social services when provided in a home setting.

Answer: Yes, medicare Part will cover medical nutrition therapy (MNT) for individuals with diabetes. Nutritional counseling and guidance from a registered dietitian or qualified nutrition specialist is included with this.

Answer: Medicare does not cover groceries but some Advantage plans will give grocery allowance as a supplement benefit.

Answer: There should be stricter regulations on Medicare Advantage marketing and Sales practices. There has been too much bait and switch with agents and how they conduct business for far too long. Clients are the priority, and with that, our duty is to make sure they have the best coverage now and in the future. We need more penalties for negligent agents when dealing with Medicare Advantages.

Answer: Primarily, is the agent just trying to sell you the first thing available immediately, or does the agent actually spend some time trying to determine your needs.

Answer: You can print a copy from your MyMedicare.gov account. You can also request a physical card to be mailed to your address on file by calling Medicare, or visit your local Social Security office.

Answer: You can absolutely meet with multiple brokers and agents before you make your final decision. The last enrollment you complete will supersede all previous applications.

Answer: Yes, just like your Original Medicare Medicare Advantage plans are required to cover the same preventive services, which includes the annual wellness visit typically at no cost.

Answer: There are a lot of factors that determine whether you should take social security early or try and wait to full retirement age or to age 70. This really is a conversation you should have with a Retirement Planner such as myself. We can help run a social security optimization for you. Once you turn on social security, it will stay that amount for the rest of your life and will never increase. So the longer you can hold out, the greater that check will be. II'd be happy show you that. [email protected]

Answer: Medicare plan G offers the best value for the best price and sometimes will include discounts to cover the most amount of health concerns for the least amount of premium and out of pocket.

Answer: IRMAA has a 2 year look back. So if you have a qualifying health event or life event , you can sometimes file an appeal and get that adjusted quicker.

Answer: It all depends on if you're still currently working and covered under your employer's Health Insurance. If you are, you can stay on that coverage until you retire. If you're retired, you need to immediately sign up for Medicare A and B unless you already have it by drawing social security. Once you have Medicare A and B, then you can apply for a Medicare supplement and a Medicare prescription, part D drug plan.

Answer: No, you do not need to as long as the employer has 20 employees or greater.You can continue to stay on your employer's Health Insurance until you retire. If the employer has 19 or less employees you need to go ahead and sign up for Medicare.

Answer: You should listen to a medicare specialist to help determine your financial needs, your health care concerns and who's gonna pay the ultimate bills in the future. If something was to happen to you, your friends unfortunately are not experts and your children may be responsible for paying the bills making the decision for you that may not be in your best interest.

Answer: The satisfaction of knowing that the healthcare that I help them enroll into will be the last best healthcare they'll ever need for the rest of their lives to cover their most potential expenses.

Answer: It's not required but a Hospital Indemnity Plan can be a valuable addition to Medicare Advantage. It can help cover out-of-pocket expenses during hospital stays. If you're hospitalized twice in the same year, a Hospital Indemnity Plan can still provide benefits, as it typically pays a set amount per day of hospitalization, regardless of the number of hospitalizations.

Answer: While complete privatization of Medicare is a complex issue with varied perspectives, it's unlikely to occur in its current form. The current Medicare system, which is a national health insurance program, has a significant public backing and support for its continuation.