Suzanne Lamperti, Medicare Insurance Broker

Answer: Medicare Advantage Plans have a cheaper premium(s). Medicare plans give the participants more choices than Medicare Advantage Plans. Medigap plans are also less restrictive.

Answer: If you do frequent travel, you need to look for a plan that serves the areas you travel to. Also look for a plan that covers international areas.

Answer: The best time to look at Medicare options is six months before you turn 64, if you know you are losing credible coverage, if you're going to move out if your plan's service area, or another life changing event.

Answer: To be sure if a Medicare Advantage Plan's benefits are legit, look up reviews online or call the plan and ask. You can also call Medicare and ask.

Answer: The gaps are;

Part A you have a deductible and in Part B Medicare only pays 80% of approved charges.. you should enroll in a Medicare Supplement to help offset these charges.

Answer: This is why you pay more for your Part B and Part D;

IRMMA is a Income-Related Monthly Adjustment Amount, a surcharge applied to Medicare Part B and Part D premiums for higher-income individuals. It is calculated based on your Modified Adjusted Gross Income (MAGI) from your tax return two years prior, with income thresholds determining the surcharge amount. The Social Security Administration (SSA) collects the surcharge, which can be lowered by requesting a reduction after a life-changing event, such as a job loss or death of a spouse.

Answer: I would go stand alone Part D. Depending on your area Advantage plans may be restrictive and

Not all Advantage plans have prescription drugs connected to the plan.

Answer: Yes, you need to notify Medicare and make sure your Supplement or Advantage plans works in your new location.

Answer: You have the right to appeal the decision within a certain period of time. Call Medicare and ask how to appeal the decision. They may approve it if it is medically necessary.

Answer: If you are receiving bill, your dad may have hit the donut hole for petscriptions. You should see if there are any agencies that can help.

Answer: That depends on the plan. Some are geographical specific. You need to check with the insurer for specifics.

Answer: You need to read the Medicare and You book. Medicare doesn't cover vision, hearing, or dental. Sign up for Part B and Part D so you're not penalized. Get educated on Medicare.

Answer: You can't. The premium is the same for all. The only thing you can do is apply for state associations.

Answer: O agree with you on that. Medical professionals are taught to focus on treatments instead of finding out the cause .the more they keep prescribing treatments, the more money they make.

Answer: Yes, you have to make sure you are signed up for Parts A & B. Also apply for your Medicare Supplement Plan.

Answer: You van change from OrigionalMrdicare to an Advantage plans once and can change back once. The other tome(s) you can change is if you lose credible coverage or move out if service area.

Answer: You need to call your Advantage plan and ask them if they cover your hearing aids. Medicare doesn't normally cover hearing aids.

Answer: Medicare does NOT pay for groceries. Medicare is ONLY used for medical expenses. Check your Medicare & You book

Answer: Preventative and screenings are covered by Medicare. Visit Medicare. Hov for details or look in the Medicare and You book.

Answer: That depends on your personal financial well-being. Anything claimed before full retirement age is a permanent cut in benefits. It doesn't go up at full retirement age.

Answer: That totally depends on The Medicare plan you are a part of . In MD the MD Physicians Care plan has tge extra benefit of a gym membership at Planet Fitness. In FL, some plans allow you to pay for OTC drugs. It really depends on the plan and your location.

Answer: Medicare does not cover any services provided through Indian Health Services. Call Medicare to see if you still need to sign up.

Answer: Medicare pays for your first wellness visit. Your Medicare Advantage may offer free annual visit BUT you must check with your Medicare Advantage plan.

Answer: Medicare covers the flu shot and the shingles vaccine. For more information call Medicare or read the Medicare and You book.

Answer: Medicare does diabetes preventative services. Medicare has a Diabetes Prevention Program

Contact Medicare for details.

Answer: Sign up for your Part A and as long as you have insurance through your employer, you can wait to sign up for Part B. Unless your employer request that you sign up for Part B. Check with your employer benefits person.

Answer: Your initial enrollment period was two months before you turned 65, the month you turned 65, and two months after you turned 65. Now you must have a special enrollment occasion or wait until open enrollment.

Answer: Medicare covers a colinoscopy once every 10 years

If you are high risk, then it's covered once every 2 years.

Answer: Yes it will be covered. , check with Medicare or in the Medicare and You book for the duration covered.

Answer: That's because they're trying to get seniors on managed plans. That's more cost effective for Medicare.

Answer: A PPO gives one more flexibility than an HMO. You should consider their network area carefully to avoid large costs. You can also consider an ancillary plan that would help offset those costs.

Answer: You could call your plan and ask why the significant increase. The other option is to compare plans in your area and switch during AEP.

Answer: I go through the parts of Medicare. If he/ she are considering switching plans, I ask about what problems he/she are experiencing and go through the plan options with him/her. Education is the key.

Answer: Once you meet your yearly deductible it is. This is why you need a Medicare Supplement and/ or a Hospital Indemity Plan.

Answer: They're restrictive on where and by who you can get care. You also need preauthorization for certain procedures. They are slow to pay out of network care.

Answer: That depends on the plan you're enrolled in. Some require ore authorization and some don't. You need to check with your plan. If you need preauthorization, ask what needs to be done, ( the process).

Answer: Silver Sneakers is a benefit from a Medicare Advantage plan. You may have a different plan. You can compare plans on Medicare.gov.v

Answer: Medicare Advantage plans are a lot more restrictive than regular Medicare and require referrals and advanced approvals. This puts doctors and patients at a disadvantage when care is necessary and urgent.

Answer: From 64 1/2 -65 and 2mos is your initial sign up windows with guaranteed issue. The other guaranteed issue option is if you lose your employer insurance or if your current insurer drops you. Thus creates a special election period., otherwise insurers have the right to underwrite applicants. This information is available on Medicare.gov website and by insurance agents.

Answer: You need to check and see what Medicare Advantage plans are available in the area you want to move to. The better option is to stay with Origional Medicare and a Supplement.

Answer: Yes, Medicare covers a number of various vaccines and services. Check your Medicare and You book for more information on what's covered.

Answer: Check with your state for program(s) that may help with that. I do know that MD has a program that help with Part B premiums and another that would help with the 20% that you would pay to the doctor.

Answer: That depends on your health care needs. Do you have conditions which need special services? Most Part C plans Don include prescription coverage. Can you afford a Meducare Supplement? These are things you need to consider.

Answer: It presents an SEP and you can apply for Medicare and a supplement possibly with guaranteed issue. Check with Medicare.

Answer: Yes, that falls under Soecial Election Period. That is one of the instances where you can get guaranteed issue.

Answer: Credible coverage means you have health insurance in force. This applies if you are applying for Medicare after your initial enrollment period. Otherwuse you shall be fully underwriter and possibly insured a permanent fine.

Answer: That happens when a person first signs up for Medicare. Then you Pau regular charges. You need a Medicare Supplement to pay for subsequent annual physicals.

Answer: The disadvantages of a Neducare Advantage Plan are;

1. Most Don include prescription drug coverage

2. Dentist Don accept their dental coverage

3. If you travel out of network, they'll either be slow to pay or refuse to pay.

4. Very restrictive on who you can see.

Answer: That's why I Don promise Advantage plans. It's better to get a separate dental plan, stand alone prescription plan, and Origional Medicare.

Answer: Original Medicare gives you more freedom of choice. A Medicare Advantage is mire restrictive. Most Medicare Advantage plans don't include perscription drug coverage. If you travel out of network, they may refuse to pay.

Answer: That depends on your medical needs and your financial means to pay the higher rate. Sit down with someone and discuss your options.

Answer: I sit down with him/her/them and go through the Medicare and You book. I also answer any questions he/she/they have about Medicare.

Answer: If your stay us due to being admitted, it is covered. If your stay I s for observation, it's not covered.

Answer: You need to go with a plan that best suits your medical and financial needs if your budget can handle a copay, then go with a Plan N. If you can handle a higher premium, then Plan G.

Answer: Yes, it depends on your health, unless you qualify for guaranteed issue. You may qualify fir Medicaid if your financ I al situation is low income.

Answer: Medicare does NOT cover hearing aids. The only way(s) to obtain one is to self pay or have an agency of some sort to financially help.

Answer: This applies 2 months before you turn 65, the month you turn 65, and 2 months after you turn 65. It also apples if you lose credible coverage and if you retire from work after 65 and it's your first time signing up fir Medicare.

Answer: Unfortunately it looks like Meducare does not cover that procedure. I suggest if you have a Meducare Supplement, see if it will cover the procedure.

Answer: You MUST have Part A and a qualifying impatient hospital stay. This is covered for a short period of time. Medicare does NOT cover long term care. You should consider long term care insurance.

Answer: No, unfortunately Medicare doesn't cover home modifications. It's mot considered a medical issue.

Answer: Medicare covers mammogram as well as some other preventative screenings. Check your Medicare and You book for details.

Answer: These two procedures are not covered., unfortunately. Medicare will not consider these a viable treatments.

Answer: That is a very loaded que6. It depends on more than one factor. What age group? What type of health care or better yet *sick care)?

Answer: Medicare doesn't cover vision and/or dental. You MUST obtain a stand alone dental and/or vision plan.

Answer: Ni, CMS puts out standardized plans that are available in all states. The difference is the price from the carriers.

Answer: Medicare doesn't cover hearing aids, dental, vision exams. It will cover for glaucoma, cataract surgery, and immaculate degeneration.

Answer: That depends if your current physician is part of the Medicare Advantage network. It's better to stay with Irigional Medicare and have a Meducare Supplement.

Answer: You need to sign up for Part B when you retire. You will get a permanent fine if you don't. Then you will need a Medicare Supplement.

Answer: It's not Medicare's job to regulate how much insurance companies can solicit, just that what they can solicit. The information has to meet certain criteria.

Answer: Unfortunately thus test us NOT covered by Medicare. Although it should be, because it would help Americans take the necessary steps to avoid getting cancer.

Answer: Sign up for Medicare Parts A and B. Sit down with a Medicare Insurance Agent, go through the Medicare and You book. Sign up for a Medicare Supplement Insurance policy to help pay fir Healthcare costs where Meducare does not.

Answer: A bone density scan is NOT considered preventative and is not covered under Medicare., unfortunately. You have to use your Medicare Supplement or Nedicaid to pay for the scan.

Answer: It's not just seniors waiting for the last minute to sign up for Medicare, it's that they are only allotted three months prior to his/her 65th birthday, the birthday month, and two months after he/she turns 65. Anytime after that without a special enrollment event, the Medicare insurance carriers can start looking for ways not to ensure someone.

Answer: Medicare doesn't give discounts to the healthy, unfortunately. Medicare has set regulations and rules and doesn't offer discounts. That would possibly make the system more complicated.

Answer: Unfortunately this reticular type of medicine is not covered. I don't know anything about this type of medicine but when I looked at up to see I'd Meducare would cover, it's not covered at all.

Answer: Yes, every 24 months forbreast cancer, every 12 months for cervical and vaginally cancer. Every 12 months for prostate Cancer ,. For Lung Cancer, age 55-77 years old, current smoker or ex-smoker within the past 15 years.

Answer: Medicare does NOT cover long term care. The best defense is to purchase Long Ter Care Insurance. The ONLY way Medicaid will cover is if the individual has $2000 or less in assets.

Answer: They seem to be, but updating the systems seem ro Medicare a long time to accomplish. The Federal Government seems to move vert slow.

Answer: Original Medicare is a better choice if you don't have specific or chronic issues. Medicare Advantage us more limited, you can't go to a doctor or specialist of your choice. If you do, they normally won't cover. If you travel, Originall Medicare is a better choice. Medicare Advantage is more restrictive.

Answer: Yes, it's covered under Part B, up to 12 sessions in a 90 day period for lower back pain and an additional 8 sessions if you show improvement.

Answer: They have a tired premium already based on income. (SSA Retirement, Pension, and work income). Nit sure what other factors they would consider.

Answer: An HMO is a Health Management/Maintainable Organization and one has to use the HMO's doctors and facilities. Also precaution is needed for select services. one has more flexibility with a PPO. Also HMOs may not be available in certain areas if one travels.

Answer: Medicare can seem overwhelming to seniors. Working with an experienced agent can help eliminate confusion by guiding one through the process.