Tatevik Melkonyan, Medicare Insurance Broker
Tatevik Melkonyan
Medicare Broker Licensed in CA
Contact Details
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Location
North Hollywood, CA
Tatevik Can Help With:
About Me
Hello! My name is Tatevik and I am your local Medicare Advantage professional.
I am dedicated to helping Medicare beneficiaries find the Medicare Health plan that best fits their needs. With extensive experience and a commitment to personalized service, I make the process of finding a Medicare long term solution simple and stress free, ensuring beneficiaries receive the best possible care for years to come.
Q&A with Tatevik Melkonyan
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: The new 2025 $2,000 out-of-pocket cap on Part D prescription drugs means that once you’ve spent $2,000 on covered medications (after the deductible), you pay $0 for the rest of the year no matter how expensive your drugs are.
This completely eliminates the old “donut hole” and protects seniors who take costly medications from bills that used to run $10,000–$15,000 or more annually, giving real financial peace of mind for the first time.
So with all these 2025 Medicare changes, should I be switching plans or staying put?
Answer: It's definitely a smart time to review your plan, but whether you switch or stay depends on your current setup, health needs, and costs.
I'm confused about when I can change my Medicare plan. Can you clarify the different enrollment periods for me?
Answer: Your first opportunity to choose or change Medicare coverage comes during your Initial Enrollment Period, which is the seven-month window that begins three months before the month you turn 65 and ends three months after.
Every year, the Annual Enrollment Period runs from October 15 through December 7 and lets you switch from Original Medicare to a Medicare Advantage plan, change to a different Advantage plan, or return to Original Medicare.
From January 1 to March 31, the Medicare Advantage Open Enrollment Period allows anyone already enrolled in an Advantage plan to switch to another Advantage plan or drop back to Original Medicare, though adding a Medigap policy during this time usually requires health underwriting.
If you experience certain life change such as moving outside your plan’s service area, qualifying for Extra Help, or losing credible employer coverage, you can make changes anytime through a Special Enrollment Period.
I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?
Answer: You didn’t make a mistake choosing Medigap for its travel freedom, but you’re right to question the cost. Many travelers are discovering they can get similar peace of mind for a lot less money.
Most Medicare Advantage plans now offer $0 to very low monthly premiums (on top of your Part B) and include nationwide emergency/urgent care plus routine out-of-network coverage in all 50 states, often with an average out-of-pocket max under $5,000 a year and a bundle of extras like dental, hearing, vision, gym membership, allowance cards and more.
I picked a Medicare Advantage plan last year, and I'm not sure if my hearing aids are covered. How do I figure this out?
Answer: Find your plan's Evidence of Coverage (EOC) booklet or Summary of Benefits. These came in the mail when you enrolled or are online in your member portal.
If you can't find it, call your plan's customer service number on your ID card. Ask them "What are my 2025 hearing aid benefits?" They'll explain and mail you a copy if needed.
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: One of the most overlooked questions seniors should ask is: “Do I qualify for Medicare Savings Programs or Extra Help, even if my income feels moderate?”
Programs like the Medicare Savings Programs (MSP) and Extra Help can pay your Part B premium, wipe out deductibles, and drop most Part D drug copays to $0.
Yet more than 40% of eligible seniors never apply, leaving thousands of dollars in benefits unclaimed each year.
A single application through Social Security or your state Medicaid office checks both programs at once. It’s free, confidential, and one of the smartest financial moves most seniors can make.
What is one Medicare trend that you believe is having a positive impact on Medicare affordability? How is it making a difference?
Answer: One Medicare trend that I believe is having a positive impact on Medicare affordability is the Medicare Prescription Payment Plan under Part D, allowing members to spread out-of-pocket drug costs as monthly installments rather than paying full copays at the pharmacy. How is this making a difference? Members can have peace of mind and worry less about how to pay for the medicine they need to stay healthy.
Does Medicare Part D cover Repatha?
Answer: Yes, Medicare Part D covers Repatha in approximately 95% of plans, typically on Tier 3, which may involve higher copayments. Coverage details vary by plan. I always verify the specific formulary when assisting members to ensure accuracy.
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: Moving to a rural area often limits Medicare Advantage plan options because:
• Fewer plans available
• Restricted networks
• Service area rules
You are welcome to contact me for help or any other questions you may have.
Are there any changes I should expect for Medicare in 2026?
Answer: Yes! With so many updates affecting costs and plan options, a personalized review is essential. Contact me today for a free consultation tailored to your needs with no obligation.