Walt Smith, Medicare Insurance Agent

Answer: yes, with Medicare Advantage plans you have worldwide coverage for emergencies and urgent care. with most Plans to co-pay is $115 but that could vary.

Answer: You are eligible for Medicare if you’ve been on Social Security disability for two years. You must, however, sign up.

You also get a second opportunity when you turn 65 but you must sign up you will not get it automatically go to medicare.gov by now you care Medicare Paris, but then you’ll have to sign up for Medicare part B and you need to plan to go with it either a Medicare supplement or a Medicare Advantage Plan

Answer: If you have a met Tare shoveling, you will not have to do anything. That plan will be good anywhere in the country. You might rates in new state to see how they compare. You definitely have to change your drug plan. Make sure you have a plan that has the best prices for the drugs that you take in the drugstore you will be using.

If you have a Medicare Advantage Plan, then you must change plans. You will have a special enrollment period to sign up.

In this case, you want to make sure that all your doctors that you plan on using are in the network your medicine too look for referrals on how people satisfied with the way the insurance company handles the benefits look at the extra benefits that particular Medicare Advantage Plan provides.

Answer: If you are on Social Security disability for 24 consecutive months, then you qualify for Medicare covers, regardless of age.

Answer: Yes, we do work with people that have dementia. However, we would strongly recommend that they have their power of attorney with them or at least a family member who can help understand what we’re talking about.

Answer: In New Jersey at least Maida got plans are only guaranteed issue when you first apply for them and your first eligible. After that, they are medically underwritten. Always been that way.

You can get a medical advantage plan during open enrollment with no underwriting

Answer: There are a lot of gaps you really need to sit down with a broker who understands it in detail and then show.

For example, the first day you go into the hospital, there’s roughly a $1600 deductible God forbid you’re in the hospital for more than 60 days then it’s roughly $400 a day co-payand after 90 days it’s about $800 a day co-pay.

Under your Medicare part B an annual deductible of close to $300 not bad but then Medicare pay 80% you pay 20%. Not that you have just say single opposite but if you get in the hospital and getting an knee replacement or a hip replacement can cost you $10,000 out of your pocket.

You really need something that goes with Medicare to fill in the gaps.

Answer: Medicare usually pays for all telehealth visits not just the primary care doctor. This can be available benefit it safely a lot of trips and a lot of wait time in the office.

Answer: Call 1-800 Medicare you can do the reporting anonymously. It is important that we all look out for Medicare waist, fraud and abuse.

Answer: No, you do not have to sign up for Medicare again however you’ll have a one time opportunity to sign up for Medicare supplement without any medical questions. That is something you should think about based on your own personal situation.

Answer: Medicare does not cover you outside the United States, but if you’re a Medicare supplement or Medicare Advantage Plan, most of them will cover you for emergencies and urgent care anywhere in the world subject to a copayment

Answer: I don’t think there is one significant common misconception about Medicare. The only one that comes close would be some people feel Medicare gonna cover everything and they don’t realize it is either a Medicare supplement or a Medicare Advantage Plan to go with it.

Answer: Normally, the IMRA goes away when your income drops, but they use a two-year lag on tracking income so if your income is expected to drop this year, you are advised to context Social Security and they’re likely to guide you that you can immediately drop it and not wait.

Answer: Medicare part A covers semiprivate room and board general nursing and miscellaneous services and supplies.

Medicare part B covers outpatient surgery, including physician services

Answer: Medicare cover blood test. I have never heard of any restriction on the blood test after prescribed by a doctor being done by Medicare.

Answer: Tricky question. Medicare itself does not cover you. Outside the United States.

If you have a Medicare supplement or a Medicare Advantage Plan, you have coverage outside United States for emergency or urgent care. I would think that if you spend a lot of time in another country, you should buy insurance there, but you still should keep your Medicare so you have it when you’re back in United States. Your cost for it is not that high anyway.

Answer: First of all, you would want to find out if your doctor is in one of the networks. Many doctors are. So it’s not a question of all the Medicare Advantage doctors good the question is is the doctor that you wish to see in the network although many plans allow you to go out of the network at a higher co-pay to any doctor that takes Medicare.

So we can find it a plan that fits you with very good benefits

Answer: I enjoy helping seniors and all Medicare beneficiaries. Find the plan that’s best for them and do my best to save them money.

Answer: Yes, both occupational therapy and physical therapy recovered by Unitedhealthcare Medicare Advantage Plans.

Answer: Yes, you absolutely want to help from her son or daughter in determining your Medicare plan. I always encourage family members to help their parents. They should know what you’re doing and be able to assist you with doctors and other information that sometimes challenging for you to get.

Answer: Yes, Medicare will cover acupuncture for your lower lumbar only.

But it must be a Medicare certified acupuncturist to do it they are very, very hard to find

Answer: Since I live in New Jersey and I am licensed in New Jersey, New York and Slovenia and Virginia. I really have no idea what works in South Carolina.

Answer: Yes, Medicare covers quite a few preventive screenings. Many are limited to once or twice a year with there are many screenings that are covered. There is no limitation on doing them at the same time. As long as they are necessary.

By the way, your Dr. should check directly with Medicare to verify it.

Answer: Medicare coverage the treatment of COPD most will be from B and whatever Medicare supplement or Medicare Advantage plan you have

Answer: Medicare,does cover outpatient mental health, but I have found there are not a lot of psychiatrist that take Medicare so you’re gonna have to find one that treats your condition. If you call 1- 800 Medicare, they may help you locate one.

Answer: If you have a Medicare supplement or also called a Medigap plan they do not have a network. You may go to any doctor or hospital in America that takes Medicare. Of course there are a few that don’t and they’re gonna want you to pay them directly.

A Medicare advantage plan is differ if it is a HMO generally only the doctors that are in the plan’s network will get paid. There is no coverage for a doctor out the network.

Any Medicare Advantage PPO you can go to a doctor other than those in the network to a doctor that’ takes Medicare however, the co-pay to that doctor will generally be more than the co-pay to a doctor in the network

Walt

Answer: You could use that term not very popular. Medicare Supplements are also called Medigap plans. they supplement Medicare part A & B

Answer: It’s false so and it’s not allowed. They get around it because if you’re eligible for Medicaid, you can get those benefits. A lot of crooks out there.

Answer: Medicare extra help is expected to be largely unchanged for 2026.

There may be more clarification during the annual development period starting October 15 but extra help is expected to stay the same

Walt Smith

Answer: Medicare does not cover you outside ithe United States. If you have a Medicare supplement, it will cover you anywhere in the world after a $250 deductible.

A Medicare Advantage plan will also cover you worldwide for emergencies

Answer: If you have a Medicare supplement, you do not have to do anything. If you have a Medicare advantage plan you must get one that is certified in your area.

Answer: Yes, you have the ability to get a plan that is guaranteed issue because your employer plan is ending. Contact me or your broker to get all the details.

Answer: Medicare vantage plans are the most popular of plans for all seniority in the United States. There is several excellent plans in New Jersey. Medicare has encouraged in enrollment Medicare Advantage plans. However, if the Trump administration keeps screwing around with the funding, who knows what might happen

Answer: Yes, I would be happy to help her find the best plan for her medicines. I review every company that has a Medicare plan in the.

She would just have to contact me.

Answer: I would have no way of knowing if they’re outdated however, from a daily standpoint, there’s no indication that they are. They communicate frequently with the brokers and others involved and their information is timely.

Answer: There are two approaches one is a Medicare supplement plus a drug plan that fits you best. Plan G has some great rates and gives you full coverage.

The second option is a Medicare advantage plan with 0 premium. The plan must cover all your doctors and all your medicines. that is the first thing your broker must check.

Answer: You must be 65 years old

and a US citizen or a legal resident for at least five years. That is a requirement for to be eligible for Medicare

Answer: You’re paying the Medicare program with after tax dollars. The benefit you receive from Medicare in terms of payments to doctors and other providers are not taxable.

Answer: Original Medicare with a Medicare supplement and drug plan versus a Medicare advantage plan which has everything in one both approaches are excellent.

It all depends on your personal preference you we would make sure that all your doctors and medicines are covered in a Medicare advantage plan before we could consider it

Medicare Advantage has become very popular. In fact you can have a Medicare Advantage trial. Or anytime in the first year if you do not like it, you can go back to a Medicare supplement.

Walt Smith

Contact me.

Answer: If you take a lot of medicines, especially name brand drugs, who will be tremendously benefiting from this maximum. In fact, there are some technical calculations that you may pay less than $2000.

Contact me or your broker for details

Walt Smith

Contact me.

Answer: There are different plaza available. It depends on your circumstance. You can, for example get a Medicare Advantage plan for zero premium, depending on where you live. Please contact me or your broker, and we will determine the best plan for youth for next year.

Thank you.

Walt Smith

Answer: Yes, you will get an annual notice to change every year. Is required by law. Please make a point of reading it because it could be important changes in your plan.

You shouldn’t contact me if there are changes so we could determine the best plan for you for next year.

Answer: You should contact your local Social Security office. They have a list of all the program programs that might apply to you.

Answer: Bring your parents to my office we all sit down and I go over everything that they need to know in order to make an informed decision. Also show to make everyone feel comfortable. I offer them coffee or water and we always have a pleasant conversation and answer every possible question I might have this has worked very well over the years.

Answer: You should be in your contact with your broker on a October one. He is not allowed to discuss anything about AEP with you until then. You still have plenty of time to go everything in detail to see if you need to make any changes during AEP. Your broker will want to review the medicines. You’re taking any changes and Dr. you’re seeing. And answer all your questions.

Answer: During the annual work period from December 15 to December 7 is the best time to review your Medicare plans and options available to you.

You should definitely review it if your medications have changed or you feel unhappy with what you have now. We are very happy to help you with that decision and provide you with all the options available to you.

Answer: If you are admitted to the hospital the first day you have a deductible of around $1650. You should also have Medicare part B and then by either a Medicare supplement or a Medicare advantage plan and then much of your hospital stay will be covered.

Answer: That rule is generally well known. I make sure all my clients are quite aware of it. Some states are now going to a birthday rule or you can enroll each year on your birthday with no underwriting. Those plans generally cost more. Not every state has that. Your other option is to role in a Medicare advantage plan during an opener robot in the fall. Some of the plans are excellent. I will provide a coverage you need. Please discuss your options with a company broker

Answer: You should ask a qualified program to review all Medicare part D plans in your area. The plans do very greatly in what they cover. Make sure you’re in the lowest cost plan for your specific medication. Beyond that on specialty modifications that are high cost sometimes to manufacture or a foundation associated with will provide economic assistance. Several of my clients have been successful in this regard

Answer: I am aware that Medicare covers digital health tools when it comes to mental health conditions I am not aware of and the other general applications.

Answer: I will be happy to look it up for you. We look at every plan and Medicare has available and see what’s best for you. That is which one has the lowest cost.

In the unlikely event that Medicare does not cover your medicine, your doctor can always ask for an exception, and the Medicare plan may cover it.

Answer: If you take a namebrand drugs, that’s expensive the two 2025 out-of-pocket maximum is $2000. That should definitely help your situation.

The drug must be on the formulary of the insurance plan that you choose. Depending on the medication and depending on the plan, you may even spend less than 2000.

Answer: It depends on the plan. Some Medicare Advantage plans only cover preventive care some also cover up to $1000 of everything and sell up to 1500. It is not meant to be a full dental plan, but to give you a decent amount of coverage for Little or no premium.

Answer: A Medicare supplement in a Medicare advantage plan or two entirely different plans. The best way to compare them is a sit down with a professional, who has experience in both and have explained the difference. First tribute the Medicare supplement, then review all the provisions of a Medicare Advantage plan. And also consider your most likely medical needs based on past years then you make a decision.

Answer: Medicare supplement with plan G is an excellent plan and is the best plan you could buy right now. The premium is reasonable and it covers everything that Medicare approves except for a calendar of deductible of roughly $240.

Answer: Unfortunately, doctor that works changed throughout the year. It’s not very often a change, but it does happen occasionally. You will just have to find another doctor that you were happy with that is in the network. Most plans these days are PPO’s which means you can go out than never at a higher co-pay. If you have one of those plans, you still may be able to see your doctor if you wish to pay the higher co-pay.

Answer: No, it is not true that Medicare will pay for dental implants. Medicare does not cover dental except for a few exceptions like impacted wisdom tooth.

Answer: Yes Medicare will cover your asthma and other breathing conditions like COPD. Medicare will pay for the inhalers also.

Answer: Medicare place for blood work in fact you should not have to go through your supplement Plan C to get covered.

Answer: If you were talking about that kind of monitor that you put on your arm and leave it there, Medicare will pay for it and the replacement pods.

Answer: It is not likely because if they had a different tier system, it would require some level of health underwriting. That is not the basic under structure of Medicare.

Answer: They have digital apps now. Many insurance companies encourage you to enroll online instead of by paper.

Answer: The biggest mistake that seniors make enrolling in Medicare is not knowing all the options that are available and not getting advice from an experienced broker.

Answer: Medicare Advantage plans have evolved over the last several years. Most of them are now PPOs, which means you can go to doctors not in the network. They’ve added benefits that Medicare does not cover like dental coverage, eyeglass coverage, over-the-counter items, even hearing aids. And majority of the seniors or people on Medicare now has this type of coverage

Answer: I enjoy making sure that seniors understand the plan. They are going in and answer all the questions they may have and give them the opportunity to follow up with me anytime in the future.

Answer: I had a client that was taking 21 different medication’s. We had to find the right plan for him and we looked at every single plan in New Jersey and we found the one that was cheapest for him at his drugstore.

Answer: Many seniors regret not sitting down with a professional to explain different options available when they start a Medicare.

Many professionals will help seniors with their decision at No Cost to the senior.