Suzanne Lamperti, Medicare Insurance Broker

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

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.

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

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 vision and/or dental. You MUST obtain a stand alone dental and/or vision plan.

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

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