Steven Maicus II, Medicare Insurance Agent
Steven Maicus II
Medicare Agent Licensed in NY
Contact Details
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Location
Peru, NY
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Phone
Steven Can Help With:
About Me
Hi, my name is Steven and I am your local Medicare insurance agent. The Medicare process can be confusing & even overwhelming at times. I am not only an Agent but a dedicated advocate for my clients, I will work with you & assess your specific needs. I partner with my clients in getting all the benefits they are entitled to & pride myself in being a resource for them on their Medicare journey. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget, I look forward to providing my services at no cost to you, Get in touch with me today to explore the best Medicare insurance options for you because you matter.
Sincerely Steve,
Directions to My Office
Q&A with Steven Maicus II
What do you like most about being a Medicare agent?
Answer: Its personal, I love the relationship that I have with my clients & being available to answer questions and give peace of mind, Medicare can be confusing I love being a trusted local resource.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: PPOs offer greater choice in healthcare providers, including those outside the network, while HMOs typically require staying within the network for covered services.
My doctor prescribed physical therapy, but I'm not sure how many visits Medicare will cover. How do I find out?
Answer: Part A: Covers inpatient physical therapy in a hospital or skilled nursing facility.
Part B: Covers outpatient physical therapy, which is the most common type.
Medical Necessity: Medicare will pay for physical therapy that is deemed medically necessary to improve or maintain your health
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: You may have to answer health questions when switching from one Medigap plan to another, but it depends on your specific situation and the state where you live. During your initial 6-month Medigap Open Enrollment Period, you can typically switch plans without answering health questions. However, outside of this period, or in states with less favorable rules, you may have to answer health questions and could be turned down or charged more for pre-existing conditions.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Working with a local Medicare agent is personal and gives you the ability to build a lasting relationship.. You gain a " Go To " resource helping you navigate your Medicare needs.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: Yes, you will likely be penalized if you don't enroll in Medicare Part B when you're first eligible, which is when you turn 65. You'll pay a penalty on your monthly Part B premium for as long as you have Part B, and the penalty increases for each 12-month period you delay enrollment.
Here's why and how it works:
Initial Enrollment Period (IEP):
You're first eligible to enroll in Medicare Part A and B during your IEP, which starts three months before you turn 65 and ends three months after your 65th birthday.
Steve,
I'm retiring next year - do I need to do anything with my Medicare?
Answer: Yes, you need to take action regarding Medicare when you retire. Since you are likely over 65 and planning to retire in 2025, you will have a Special Enrollment Period (SEP). This SEP begins when you retire or lose your employer coverage, whichever happens first. You should enroll in Medicare Part A and Part B during this SEP.
How can I lower my Medicare Part B premium if my income drops after retirement?
Answer: If your income drops after retirement, you may be able to lower your Medicare Part B premium by requesting a review of your Income-Related Monthly Adjustment Amount (IRMAA) through form SSA-44. This form allows you to report a life-changing event, such as retirement, that has affected your income, potentially leading to a lower IRMAA and a reduced Part B premium.
I keep hearing about Medicare Part D changes for 2025. Will these actually lower what I pay for my prescriptions?
Answer: Yes, the changes to Medicare Part D for 2025 are designed to lower your out-of-pocket costs for prescription drugs. Specifically, the annual out-of-pocket limit for covered drugs will be capped at $2,000. Once you reach this limit, you won't have to pay any copayments or coinsurance for covered Part D drugs for the rest of the year.