Tyler Coleman, Medicare Insurance Broker

Answer: What I like most about being a Medicare agent is that I’m able to help individuals qualify for Medicare Savings Programs. Not many individuals know that they qualify!

Answer: This is a thoughtful question. There’s definitely certain factors a person should consider because you have Medicare regulations that affect both low and high income individuals in different ways.

Answer: You will be automatically enrolled in Medicare Parts A and B. You will receive your Medicare card a few months before you turn 65. Your Medicare card will be red, white, and blue.

Answer: Generally except for in emergency situations, HMOs require you to stay in network in order to get services covered. If you choose to see an out of network doctor you will be responsible for the costs.

Answer: Medicare can be complex and understandably cause stress for Medicare beneficiaries such as parents. Following up can help them make an informed decision about their healthcare options.

Answer: Think of it this way, Original Medicare is Part A(hospital insurance), Part B(medical insurance), and Part C is Medicare Advantage. In order to get a Medicare Advantage plan which is Part C you have to have Parts A and B. Some individuals choose Medicare Advantage plans due to the fact that they offer additional benefits that Original Medicare doesn’t cover such as routine dental, vision, and hearing services. To illustrate think of Original Medicare like a hamburger and Medicare Advantage like the extra toppings that can go on a hamburger.

Answer: Get in contact with a Medicare broker who can look up your doctors, prescriptions(if applicable), and pharmacy to see what plans cover them all. This approach can narrow down your options considerably and help you make an informed decision.

Answer: I enjoy helping my clients make informed decisions about their healthcare. It’s especially rewarding when I help them qualify for benefits they didn’t know they qualify for.

Answer: Medicare doesn’t cover routine eye exams. To get vision coverage, some Medicare beneficiaries choose Medicare Advantage plans that offer vision coverage.

Answer: Medicare Advantage plans offer additional benefits that Original Medicare doesn’t cover such as routine dental, vision, and hearing benefits. Medicare Advantage plans are legally required to cover everything Original Medicare covers, but they offer additional benefits as well.

Answer: You can apply for your state Medicaid assistance program, visit your local Medicaid office. You can also apply for the extra help program offered by the Social Security Administration that can lower prescription drug costs.