Valerie Schurman, Medicare Insurance Agent

Answer: My opinion is because the premiums can be costly and continue to go up i think individuals should do a thorough investigation or talk to you agent thanks

Answer: well you know what you have and you can go online to medicare .gov and put your zip code in and it will pull the plans in your area also you can contact an agent hope that helps

Answer: No You might need to change your name on card but you won’t loose medicare hope that helps

Answer: some signs are if your doctor changes premiums drug cost i tell my clients starting in august do a analysis of what you like with your current plan i think its truly important you have an agent they help you think things through

thanks

val

Answer: well you can choose what doc you want to go to you don’t need referrals every plan offer different options some pops have a premium like hmo so you really need to find a great agent to help you sort it out

thanks

val

Answer: so on most advantage plans cleanings are a $0 for this year

But next year you never know what the insurance companies will do

thanks

val

Answer: Yes because they are designed as a pay as you go to doc or labs or hospital etc with lower copays but once you reach out your max out of pocket your done paying for the year

thanks

Answer: Yes some have left and some have moved to a different insurance company platform i would recommend to talk with your doctor and find out their plans

thanks

val

Answer: Well it will depend on what plan your in You should be able to call customer service or review your summary of benefits

thanks

Answer: basically look at your summary of benefits or evidence of coverage information to see how it’s covered under the plan you have

Answer: well two things one is look at medicare.gov to review them or if you have an advantage plan a lot of them are in the summary of benefits

thanks

val

Answer: well states are all different but if you don’t have a chronic condition then you and a sep for a short time to re enroll if you signed with an agent they would have went over that with you thanks

Answer: No straight medicare can not you need to be in a dual plan or possible a chronic plan plans very by carrier best to contact an agent

Answer: so not all plans cover every county so the best thing to do is find and agent and they will be able to determine which carriers and plans will work in your area it’s important to have an agent because it can get a little confusing sometimes you will need to drive farther to get the care since you are rural thanks

Answer: so not necessary but you can it never hurts to call your agent if you have questions i tell my clients to review so they know how their new plan will change

Answer: Yes, you will need to get a new plan. You need to let your current plan know you have moved. You will have a special election because you moved.

Thanks!

Answer: i really have no idea that’s all left up to our politicians so let’s just continue observe

Answer: so some plans offer rewards for doing different things and some offer money for weights videos and money towards like apple watch or fitbit and

some pay for the membership on apps

thanks

Answer: so i would need more information on this to make the correct response can’t really answer vague questions thanks

Answer: So my job is to provide the best info to my clients on price,benefits drug cost etc and i believe that advantage plans are a much better decision for advantage plans you pay as you go not monthly you are paying monthly like your car insurance and home owners whether you are using it or not The cost of supplements are continuing to go up The insurance world will always be changing and you need someone you can trust thanks

Answer: From what Inhabe learned is because some insurance companies are leaving certain counties some are combining plans and some are just discontinuing plans

Answer: Your guess is as good as mine personally i do t believe that it will ever happen Try talking with your state representative and maybe they can shed more light

Answer: I would recommend you talk with an agent about an advantage plan that includes a part d plan

thanks

Answer: the best answer is to check on medicare website i believe there are different exceptions or rules for it always check with the insurance provider before doing any kind of testing

thanks

Answer: well let’s say your MOOP is $2000 so once you have paid out to equal $2000 your done for the year i would always confirm this with an agent your working with

Answer: i believe in referrals and if you can’t find one do some research and go with your gut make an appointment and if you don’t feel right then try talking with people and see who they use hope this helps

Answer: so paying into medicare for years doesn’t have anything to do with your specialist visit are you talking about copay or your 20% coinsurance? so what i suggest is reviewing your insurance plan and perhaps reach out to an agent and see what other options are available AEP is coming

Answer: Unfortunately you have to have lived in the united stAtes for 5 years to be eligible you can contact a social security office if you need more information thanks