Travis Harmon, Medicare Insurance Broker

Answer: The question is, is it better to upgrade your Medicare plan often or to get a plan that will work long term? It's usually best to choose a Medicare plan that can meet your long-term needs but still be reviewed each year to make sure it continues to fit your situation. Plans can change their premiums, provider networks, and drug coverage annually. So even if your health stays the same, your plan's benefits or costs might not. Sticking with the plan that consistently meets your needs helps maintain stability and avoids disruption. An annual review during the Medicare open enrollment period can ensure that you're not missing out on better coverage or savings. I hope this helps.

Answer: Medicare only covers chiropractic care for manual manipulation of the spine to correct a subluxation, and it does not cover routine exams, x-rays, massage, or other therapies provided by chiropractors. Any additional tests or treatments would need to be paid out of pocket or through other coverage you may have.

Answer: Medicare Advantage combines hospital, medical, and often drug coverage into one plan and may add benefits like dental, vision, and hearing. It usually has lower premiums but copays for services and a provider network, while Original Medicare with a supplement offers broader doctor access and more predictable costs, often better if you have several health issues. Not all doctors accept Advantage plans, so access can be limited. Since costs and coverage vary by plan and location, it’s best to review your options with an insurance agent to see which works best for your situation.

Answer: Medicare is federal, so the basic rules are the same everywhere, but plan options, costs, and some protections can vary by state (and even by county).

Answer: Yes, even with Medicare, you’ll usually have some out-of-pocket costs after surgery (like deductibles, copays, or 20% coinsurance).

Original Medicare: You pay the Part A deductible for hospital stays and 20% coinsurance under Part B.

Medicare Advantage: You pay set copays/coinsurance until you reach your plan’s out-of-pocket maximum.

If you have a Medigap plan, it may cover most or all of these costs.

Answer: When are you eligible to change your Medicare Advantage plan? There are three main times in the year that you're eligible to change your Medicare Advantage plan. One being in your enrollment period, which is October 15th through December 7th of every year. That's your opportunity to shop plans for the upcoming year and make your selection. The next is the Medicare open enrollment period, which is January 1st through March 31st of each year. This gives you a one-time opportunity to change plans if you weren't able to make a selection during the annual enrollment period or to say that you needed to make a change in those first three months of the year.

The next are special enrollment periods that can vary throughout the year. Maybe you lost employer group coverage, or you got Medicaid or extra help for your prescription drug costs. There are many different reasons. I would check with your broker or your agent, and they can help you figure out if you're eligible to change plans at that time. I hope this helps.

Answer: Yes, That would be a qualifying life event that would allow you a special enrollment period. Touch base with a broker and explore your options.

Answer: It's helping identify a lot more issues get addressed instead of falling through the cracks. Compliance is always important to stay on top of diligently.

Answer: I don't think we push them any more or less than supplement plans however Medicare Advantage plans tend to fit a lot of needs since they include more benefits. You should always compare your options and go with what feels comfortable.

Answer: It is a big deal because it protects you from unlimited costs. In the past, people with expensive medications could spend thousands each year with no cap. Now, once you hit $2,000 in drug costs, you won’t pay anything more for the rest of the year

Answer: Lower premium plans often come with higher copays and out-of-pocket costs, sometimes paying a slightly higher premium gives you more stability and fewer surprise bills.

Answer: Many people think they can handle Medicare on their own, but the rules and options can be overwhelming. By working with an expert agent, you get clear guidance and support—at absolutely no cost to you.

Answer: It really depends on your health needs, budget, and how much peace of mind you want. High-end Medicare Supplement plans offer the most predictable costs and fewer surprises, which many people value. But if you’re healthy and comfortable with some out-of-pocket expenses, a lower-cost option may work just as well.

Answer: I understand how frustrating that is. Each Part D plan has its own formulary and rules, and sometimes medications require prior authorization, step therapy, or quantity limits depending on the plan. That’s why it’s so important to review your specific prescriptions during enrollment—we’ll go over those details together so there are no surprises in the future.

Answer: Once you’re ready to re-enroll in Medicare Part B, you’ll need to complete form CMS-40B. This form allows you to show proof of prior creditable coverage, which helps you avoid a late enrollment penalty.

Answer: Everyone’s needs are different. While that may sound cliché, it’s absolutely true when it comes to Medicare. Without understanding your unique situation—your doctors, prescriptions, and budget—I couldn’t responsibly recommend which plan would be best for you. That’s why I take the time to listen first, so we can find coverage that truly fits your needs.

Answer: Working with a Medicare agent saves you time, stress, and money. An agent helps you understand your options, compare plans, and avoid costly mistakes—all at no cost to you. We stay up to date on Medicare rules and plans in your area, so you get personalized guidance and ongoing support whenever your needs change.