Teresa Scott-Carano, Medicare Insurance Agent
Teresa Scott-Carano
Medicare Agent Licensed in PA and OH
23+ Years of Experience
Contact Details
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Location
Pittsburgh, PA
Teresa Can Help With:
About Me
Hello! I'm Teresa, your trusted Medicare agent serving consumers for over 20 years in central/eastern OH and Western PA. My specialty is Medicare plus standalone dental, vision plans. I can help you understand your options so you can select the plan that best suits your individual needs. My services are provided at no cost to you and you benefit from my years of experience. Please reach out today. Thank you.
Q&A with Teresa Scott-Carano
I was already scheduled for total knee replacement when I took out my policy, will my supplemental plan G still pay?
Answer: In general if your surgery is scheduled AFTER your policy effective date and the surgery is medically necessary- the Medigap plan (Plan G) will be billed AFTER Medicare processes the claim. If it were me; I would call the customer service line for my Medigap policy and confirm your coverage and how it will handle your upcoming surgery. Good luck and take care. Teresa Scott Carano PA/OH Agent
What do you like most about being a Medicare agent?
Answer: Medicare is complex and getting more so every year this combined with recent budget cuts to customer service result in frustration and lack of clarity. Medicare choices are not a one size fits all so I enjoy helping consumers learn and find a good fit.
Can Medicare pay for my groceries?
Answer: Great question! Some Medicare Advantage Plans may offer a stipend to cover healthy food. You should always check with your current agent to explore if you qualify for one of those plans. You can also contact your local area agency of aging to learn about non insurance options.
Do I need a Hospital Indemnity Plan if I have Medicare Advantage? What if I am hospitalized twice in the same year?
Answer: Great Question. It is important to understand these are 2 very different plans. A Hospital Indemnity plan is not a replacement for your Advantage plan. Review your Medicare Advantage plan (call member services or your agent) so you understand coverage details and potential out of pocket costs for a single or multiple confinements. Then I recommend comparing different Hospital indemnity plans to learn the daily benefit amount, benefit period and cost to meet your needs and budget. Consult with a licensed insurance agent so you can make an informed decision. Thank you!