William Brobson, Medicare Insurance Agent

Answer: Yes this is normal. Medicare Advantage Dental Benefits generally cover Preventive Care such as the semi annual check ups and cleanings. Other benefits vary depending on the plan.

Answer: There is no requirement for a scope of appointment to talk about a Medicare supplement. However, I would complete a scope of appointment as the discussion will most likely lead to a discussion about medicare advantage.

Answer: Most Medicare Advantage plans do not cover international Travel. If you need coverage for international travel I would look into a Medicare Supplement. Several of the Supplements offer international coverage.

Answer: If the plan you are currently in requires prior authorization for procedures then more than likely yes you will need prior authorization.

Answer: Excess charges are the charges that Medicare will allow a Doctor that does not accept Medicare to charge 15% over what Medicare allows. To avoid these charges, go to a Doctor that accepts Medicare.

Answer: When you reach the age of 65 you automatically qualify for Medicare. As long as you have contributed to Social Security and Medicare for 40 Quarters part A is automatic. If you have not contributed for 40 Quarters you will have to pay a premium for part A. When you turn 65 you have an open enrollment period running from 3 months prior to turning 65 to 3 months after you turn 65 to sign up for Medicare part B. This does not include the month you turn 65. You can sign up for Medicare one of 2 ways. You go to the Social Security Office, or you can sign up on the Social Security web site or the Medicare Web sight.

Answer: Divorce will not affect you Medicare Eligibility. Medicare Eligibility is based on your age and whether or not you are disabled. If you have been disabled for 2yrs you qualify for Medicare. If you have reached the age of 65 you qualify for Medicare.

Answer: Medicare will cover Stroke recovery and rehabilitation. However, you must have had a 3day hospital stay (not to include the day of discharge). The Doctor must state that you need the care. Medicare has to agree with the Doctor. Medicare will pay for the Skilled Nursing Facility. Medicare will cover the cost for the first 20 Days. For Days 21 thru 100 there is a daily co-pay of $209.50 per day

Answer: Medicare does cover durable Medical Equipment. However, you are likely to have a copay of up to 20% for the equipment.

Answer: It is important to find an agent with great reviews from long time existing clients because you want an Agent that is going to make sure that you are in the best plan available and the best fit for your specific situation.

Answer: The first thing I would do is check to see if the plan you are currently on is available in the county

you are moving to. If it is you will not have to change plans. If it isn't then you will.

Answer: Medicare does not cover routine Vision Care. However, if you were sign up for a Medicare Advantage plan, many of them have Dental benefits.

Answer: Yes you really do need help. With all of the changes with the inflation reduction act what was the best plan last year may not be the best plan this year. Also Medicare can be confusing as you start or continue into retirement. It is best to have someone guide you tyhrough the process.

Answer: More than likely the formulary changed for the Prescription Drug plan that you are on. This would cause the cost of some of your prescriptions to change.

Answer: Yes a Medicare broker can help you find a plan that has broader Chiropractic coverage. The broker has the ability to compare several Medicare Advantage plans to determine which plan has the best coverage for your situation.

Answer: Medicare has done away with the "Doughnut Hole" in the Prescription Drug Plans. The maximum out of pocket cost has been capped at $2,000. Once you reach the maximum out of pocket cost, your co-pays for your prescription drugs drops to a $0 co-pay.

Answer: Medicare does not cover medical alert systems. However, Medicare does cover Durable Medical Equipment such as, canes, crutches, and diabetic supplies.

Answer: You will be contacting a Medicare agent that is will to go the mile for his clients. I will spend the time to answer any questions you may have and simplify the process for you.

Answer: A Medicare is is knowledgeable and has the resources available to answer questions you may and help you select the plan that is right for you.