Uchennah Okafor, Medicare Insurance Agent

Answer: If your employer employs 20 or more people they can not force you and are obligated to provide the same coverages to seniors as the privide for younger employees. However employers with less than 20 employees can make one take medicare as primary coverage while the employer's can be secondary.

Answer: These areas are the United States territories and medicare treat them as would the 50 states and Washington DC. Covered medicare treatments from providers that accept medicares are covered.

Answer: You have a 7month window to sign up in 3 months before and 3 months after turning 65. You can sign up online at SSA.GOV, you can call ssa at 1800-772-1213 or you can visit your local social security administration office.

Answer: The inflation reduction act is supposed to cap insulin at $35 and will not support the increase in the cost of your insulin. Can you check if your annual deductible has been met? This could be the reason. Another possible reason is whether you are not using the brand supported by your plan.

Answer: The 2025 medicare part D changes will have positive effect for someone in your situation because out of pocket maximum is $2000 for medicare part D prescription drug.

Answer: Yes a drug plan can drop or move a medication to a higher tier. However they are required to give minimum of 60days notification and provide 60day supply to hold the patient before the change. In addition between mid November to February there is restrictions on making that change but any period outside they can make the change

Answer: The answer is yes. Medicare will pay for all the approved services you received before you left the hospital.

Answer: The 2025 medicare part D change will affect someone in your situation positively. The maximum out of pocket was capped at $2,000 for prescription drugs

Answer: Yes. There should be stricter regulations on Medicare Advantage marketing and sales practices especially on restricting the leads sales and the high cost and profits they make on selling Medicare leads to agents.

Answer: Medicare advantage plans usually cover medically necessary eye surgeries eg cataract. They rarely cover cosmetic procedures like lasik. You may have to pay copay or coinsurance. Check with your insurance plan to get more information about coverage

Answer: Medicare will cover ongoing chiropractic treatment only if it is medically necessary to cure or improve existing conditions

Answer: I will answer this question based on 2 scenarios. First if you had deferred your social security payment after age 65; they have no way to deduct the part b premium so they are billing you directly for it.

Another scenario is if you are not receiving social security payment yet so they are billing you for the part b premium. So you likely didn't miss anything during enrollment

Answer: Not all blood tests are covered by medicare. Only tests the doctors deemed medically necessary to prevent, diagnose, treat or monitor specific illnesses

Answer: When their interest is more on the commission than helping the customer and they talk more of plans that pay more commission than focusing on the client's coverage need

Answer: Being able to help them get the coverage they need and making sure they are satisfied. I enjoy seeing how happy they are to get the coverage they need.

Answer: This introduced $2,000 out of pocket spending cap and eliminates the donut hole, the stage beneficiaries pay a large part of the drug cost, beneficiaries especially those with high drug expenses will receive a lower costs.

Answer: Losing a spouse will impact you in so ways, first you will lose the coverage from your spouse and that will trigger a special enrollment period for you and based on what you are eligible to may increase or reduce your premiums and what plans you are qualified to enroll.

Answer: You will check to see if you have other qualifying enrollment and use that to make changes. If you are not sure, contact me and I will help.

Answer: No, non-captive agents contract with several insurance carriers and sign clients up based on their needs and what they are entitled to get.

Answer: The agents services are free to the clients and they are paid the same by the barrier based on the contract agreed.

Answer: The reasons why you should work with medicare agent are

1. Medicare agents are trained about Medicare and all carriers they contracted with gave them training and certification.

They know which plans that will give best coverage based on each client's need and will give better advice free of charge.