Suzanne Lamperti, Medicare Insurance Broker
Suzanne Lamperti
Symetry Financial Group
Medicare Broker Licensed in MD
Contact Details
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Location
Hagerstown, MD
Suzanne Can Help With:
About Me
Hey there, my name is Suzanne, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Suzanne Lamperti
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can seem overwhelming to seniors. Working with an experienced agent can help eliminate confusion by guiding one through the process.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
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.onw has more flexibility with a PPO. Also HMOs may not be available in certain areas if one travels.
Could Medicare ever adopt a tiered premium system based on lifestyle factors?
Answer: They have a tired premium already based on income. (SSA Retirement, Pension, and work income). Nit sure what other factors they would consider.
My doctor wants me to try acupuncture for my back pain. Will Medicare cover any of this?
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.
My kids keep telling me to get a Medicare Advantage plan, but my friends say stick with Original Medicare. Who should I listen to?
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.
Don't you think Medicare's technology systems are outdated and inefficient?
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.
If I need long-term care in the future, how does Medicare fit into that plan, and what should I be doing now to prepare?
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.
Does Medicare cover cancer screenings, and how often can I get them?
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.
I'm considering concierge medicine but already have Medicare. How would these work together?
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.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
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.
Why do so many seniors wait until the last minute to enroll in Medicare, and how can agents help prevent bad decisions?
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.
My doctor recommended a bone density test. Is this considered preventive care under Medicare?
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.