Vicki Farley, Medicare Insurance Broker
About Me
Hey there, my name is Vicki, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Vicki Farley
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: What does Medicare not cover?
Basic Medicare does not cover 1. Hospital stay deductibles or all of the Out of Pocket C0-Pays,
2. Prescription Drugs, 3. Dental or Vision.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: There are costs to the Medicare Advantage plans. The Part B premium is still taken out of your SSI. There are out of pocket costs for the Deductibles with hospital stays, and prescription drugs, along with Co-Pays for hospital, prescription drugs or out of network providers.
What should I do if I find out that my preferred hospital isn't in-network with my Medicare Advantage plan?
Answer: Regrettably, you will have to use the hospital in their network or pay a higher out of pocket. Rather your plan is an HMO or a PPO, would determine the out of pocket cost. HMO's having a stricter network. During the annual AEP from October 15th through December 7th, you can review other plans to see if you can find a better fit for you that may include your hospital of choice.