Sue Mendoza, Medicare Insurance Agent

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You can wait as long as you have credible coverage. Credible coverage is a valid health insurance through your employer.

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Yes, you will receive an Annual notice of Change if there are changes to your plan. Be sure to contact your agent to review the changes.

Answer: Medicare covers vaccinations. Your summary of benefits shows what is covered for a quick reference.

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I talk with the client to see what their goals are and how I can help them achieve their goals. I explain both options after reviewing their goals.

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The one tip I would give you to balance affordability and personalization is to work with a licensed Medicare agent. Build a working relationship with someone you can depend on.

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A licensed health insurance agent can review your medicines with you to see if you need to change plans. Most likely you will not need to change.

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People maybe unhappy with Advantage Plans if they don’t understand what they are and how to use them, for example you need a referral from your primary physician to see a specialist. Have a Medicare Agent help you with your options and to get your questions answered.

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If you are paying around $200, you have a Plan G or N most likely that works with Medicare. The Medicare Advantage plans have zero plans. Both plans have pros and cons. Please consult a licensed health insurance agent to compare plans and find the best one for you.

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You can change your Medicare plan from October 15th-December 7th each year. If you have an event, such as moving, you will need to change plans.

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Medicare Advantage plans do work in Rural areas. A Medicare agent can assist you with verifying your doctors are the plan you choose.

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If you move to another state, you will need to obtain Medicare coverage for the new state. You can make a change once you have moved.

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Part A is no charge, however you have to pay for Part B. In 2025 the cost is $185 per month and in 2026 it will increase, but new amounts haven’t been released yet.

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Your summary of benefits will outline the number of visits for physical therapy. Also you can contact the physical therapy and they will let you know how many visits Medicare will pay for.

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Medicare plans are different in every state. Working with a Medicare agent in your state will assist you with what is available.

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The changes are set by the federal government. They haven’t posted the cost of part B yet. It will be more than $185.

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After your deductible, Medicare will pay first and then your Plan G will pay the rest. So once you meet your deductible, then all procedures are covered.

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A minor disadvantage of a HMO is that you will need a referral from your primary care doctor in order to see a specialist. At the beginning of the year, your primary care doctor can send referrals to your specialists and the referrals are good for one year!

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Personalized one on one service to answer all your Medicare questions. I’m local in Texas and would love to help you!