Taylor Wade, Medicare Insurance Broker

Answer: Medicare agents compensation is regulated by the government. It is the same regardless of the plan that is recommended. This is done so there not any bias or persuasion towards a particular carrier.

Answer: You can login into your Medicare.gov account to print your Medicare card immediately or order one through the mail.

Or you can call 1-800-633-4227 to request one. It normally takes 4 weeks to receive it in the mail.

Answer: Getting a bill after a service could be due to a couple different reasons. The service may not be covered under the plan, doctor or facility was not in network, or you are in a plan that you share the cost of services with the insurance company.

Answer: Since you moved to a new state, you qualify for a special enrollment period. You need to check that your current plan is available in your new county and accepted by the Drs. If it is not, then you are allowed to change plans.

Answer: Yes that is correct, in 2026 it will be increasing to $2,100. Once you have spent $2,100 for covered prescription drugs, you will no longer have to pay. This cap eliminates the "donut hole" that some people faced.

Answer: Yes Medicare will cover these medications through medicare part D - the prescription drug plan. The plans will vary with what specific drug it covers so you will have to verify with the carrier that the medication is covered under the formulary.

Answer: It can be covered if it's deemed "medically necessary" by your dr in order to diagnose or treat a condition. If confirm if your plan covers certain testing, you would have to verify with the insurance company.

Answer: Mammograms are usually once every 12 months. Colonoscopies depend on client's risk level (1 every 10 years if not high risk and 1 every 2 years if client is high risk.) Prostate test is also 1 every 12 months. But you would have to check your specific plan to verify what is covered.

Answer: The main difference that people like about PPO plans is that they can go out of network and usually is not a requirement to have referral. In the summary of benefit page of your specific plan, it will say if specialists require referrals.

Answer: Happy early birthday! As you are waiting to get your Medicare card (red, white, and blue card), you could reach out to a broker to discuss what options are available to you. Then when you get your card, pick the best option and enroll. Once enrollment is approved and processed, you will receive your insurance card in the mail.

Answer: Hey! Now until December 7th, it is annual enrollment. So you are able to look at different plans as much as you want. There are different special enrollment periods throughout the year as well. Let me know if you have any questions!

Taylor