Valentina Gatewood, Medicare Insurance Broker

Answer: Yes, Health Plans are specific to the county and zip code where you reside. Benefits and carriers may be different.

Answer: Yes, Medicare will cover joint replacements. The coverage amount depends on the plan that is chosen.

Answer: The biggest mistake I see is not enrolling on time, or a plan that does not cover their needs such as their specialist or medications.

Answer: Medicare can be helpful for accessing any treatment or emergency services outside of the Indian Health Service. You have the option for only having part A, or part A & pat B. Keep in mind any penalties, or MAPD qualifications.

Answer: By providing a complete Medicare 101 presentation. Go over all parts of Medicare along with fees, and options.

Answer: Medicare does not cover groceries, however there are some Medicare advantage plans for those with a chronic illness that may offer an allowance that includes healthy groceries.

Answer: The options to use Original Medicare covered 80% of of Part A and Part B. All other cost would be your responsibility. Medicare Advantage can help minimize or eliminate that 20% responsibility.

Answer: Coverage for Emergency transport all depends on your supplemental that you signed up for. We can go over your benefits and confirm you are being billed correctly.

Answer: Medicare Supplements can be switched through out the year however underwriting may be needed depending on the situation.

Answer: In my opinion it is the giveback plans. They offer money back towards their part B premium however a lot of times, it is not a good fit an puts the client in a bad position.

Answer: If you are unable to afford the Part B premium, there are options. You can apply for premium assistance or Medicaid.

Answer: Yes, Medicare plans do cover continuous glucose monitors. You will need to get a prescription from your doctor to submit to the new plan of choice.

Answer: You can now apply for Medicare, and would recommend to show proof of creditable coverage to avoid penalties.

Answer: The biggest disadvantage of a Medicare Advantage HMO is having to use one network, the PPO's biggest disadvantage are fees.

Answer: Everyone has options to help with cost. We can evaluate your current cost and do a comparison to see what are the best options.

Answer: I would need to understand what is meant by coverage gaps in order to understand the questions. Original Medicare comes with two parts A&B.

Answer: Yes, not all plans use the same carrier for dental, and some differ between HMO and PPO. However they all have a provider search tool that we can assist with.

Answer: We have several options we can explore. LIS, QMB, a Medicare Advantage part B give back. Lets provide a full look at your situation and see what fits best in your situation.

Answer: Disparities may be different for each person. Tell me your disparities so we can see what options we have.

Answer: For a healthy Medicare recipient, the most cost effective might be a Part B give back plan. However we would want to compare it to you doctors and medications to confirm this would be a good fit.

Answer: Lets do a product review and make sure you are on the correct plan. Maybe we can find a better solution for you, or it might be your specialist are out of network. However lets find out how we can assist you.

Answer: Lets check which medication you are on with the plan tiers, and compare it to last year so we can see what has changed. We can then calculate your out of pocket cost for 2025 for all the medications.

Answer: Benefits of working with an agent in person is we have an office, we work full time, and go above and beyond to assist.