Tony Spikes, Medicare Insurance Broker

Answer: I wished Unsolicited calls would be banded. Too many people have their plan changed without them knowing it. Most people don’t get the whole truth and don’t understand that most of the time they start over on their deductibles.

Answer: The correct answer pertaining to cost of an ambulance emergency ride if you have A&B only could be summed up in two words… It depends.

It depends on if you have met your part B deductible ($283) yet.

It depends on if the ambulance company accepts the Medicare approved amount.

It depends on if you're going to the closest hospital.

It depends on if it's medically necessary.

If all those answers are, yes, you would roughly be looking at between $100 to $350.

Yes, Medicare supplement is the best coverage you can get IF you qualify and are willing to pay the added monthly premium.

With the advantage plan, it would be on average $300 depending on the plan.

If you have part A and part B, it's best to get something besides just A and B only. And you may qualify to start the 1st of next month.

Answer: I set up and take care of everything for you free of charge.

You the client should never have to pay for any service that I (as a Broker) will provide. I get paid by whichever Insurance company that you decide to go with.

Answer: Contrary to what you read on the Internet or AI, there is only about six states that have the birthday rule in effect. The state that I’ve had the most experience with birthday rule is Kentucky. It’s good for the birth month the month before or the month after. Guaranteed issue to get a plan that is the same coverage or you can step down to lower coverage. If someone has a F plan, they can go with Plan F or G. G to G or step down to N.

It is better all the way around if a person can qualify to apply at least 4 months before the Birth month.

Answer: You are welcome to use discount cards provided thru your local pharmacy even if you have a Medicare Prescription Drug plan.

HOWEVER and aware that the money spent with a discount card does not apply to the Maximum drug cost cap (in 2026 = $2100) AND it does not apply toward the plans deductible.

Answer: There are just a few situations where a divorce affects a person that is divorced.

1. If someone moves out of the county, it may have an effect on Coverage.

2. If combined income was more than 206,000 due to primarily the other spouse income, a person could get a reduction in their part B premium.

Answer: It is a very simple transition to Medicare if you use a knowledgeable broker that has access to all the major companies.

First step go to ssa.gov to sign up for Medicare part A part B three months in advance of your birth month.

ie: August birth month = May 1 sign up.

(unless your birthdate is the 1st day of the month).

Answer: You would not need to fill out a form until you no longer wish to be covered under your spouses coverage through the employer provided that they are still working.

When you are ready to enroll in part B, use the form L – 564 which is filled out by the HR departmentto show proof of group health coverage, and current employment.

On a brief note, the majority people find that Medicare offers a better option for them when compared to their existing employment coverage. This is a case by case situation.

Answer: It depends on who you ask. Most of the time people do not like their events plans because no one took the time to explain in detail. I’ll make sure that everyone understands the good, the bad, and ugly. If you feel anything like me, I don’t like surprises!!

Answer: First of all, what works best for a friend or neighbor, don’t always work best for mom or anyone else. We have different doctors and different medications. I bet we even drive different cars.

If someone is wanting to go to an advantage plan, I always find a plan to fit their doctors. Most of the time there is no need to find a new doctor.

Lastly, when Considering leaving a Medicare supplement to go to an advantage plan, the customer has a one year “trial right”. This means that they can go to an advantage plan for up to 12 months and for any reason they can go back to their Medicare supplement without any health questions. This gives the customer peace of mind they made the right decision.

Answer: Yes I do work with customers that have dementia but I would want a family member and/ or POA present or on a 3 way call.

Answer: Coverage would depend on the tight plan that you have.

If you have a Medicare supplement G, no need to worry. It covers whatever is medically necessary.

If you have a Medicare Advantage plan, you will know ahead of time what the co-pays are. You may want to use the option of an additional plan to cover some of the higher costs of health issues.

These plans are very reasonable if you qualify

Tony Spikes

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