William Gray, Medicare Insurance Broker

Answer: I enjoy helping provide solutions that they may not have known were available. I have made many life long friends who started as clients.

Since, all I do is Medicare I am able to do a deep dive into their situation and help them get the most out of their benefits.

Answer: You should not be receiving unsolicited calls from an insurance agent it is not allowed regarding Medicare Advantage plans.

The benefit that is being discussed is available under certain plans but should not in my opinion be the main reason to choose a plan.

I think the primary concern is that there are people who willfully violate marketing rules and this is one of them if not solicited by you.

Answer: , Medicare premiums are tax deductible as a medical expense as long as you meet two requirements.

First, you must itemize your deductions on your tax return to deduct them from your taxable income.

Second, only medical expenses that exceed 7.5% of your adjusted gross income (AGI) are deductible.

Answer: Original Medicare is a point of service plan you do not have to choose a network provider and can go to any doctor who accepts Medicare.

With a supplement to Medicare you can reduce your liability to a few hundred dollars per year.

These plans will have a premium.

Medicare part C "Advantage" plans are Medicare replacement plans.

You will likely need to use network doctors to receive the best rates or to be covered at all.

There are more significant copays and out of pocket limits. But many plans have zero additional premium.

Answer: Medicare supplements have multiple options. But one of the easiest way to reduce cost of coverage is to consier one of the plans with a deductible.

Medicar plan G is considered the cadillac policy it covers 100% after the $257 par B deductible but it also has the highest price tag.

The Medicare plan G has an option to add a deductible of $2,885 this works more like an out of pocket maximum.

Think about it like this, you have a $257 part B deductible then Medicare pays 80% of your bills until you reach an out of pocket of $2885 then it's 100% coverage.

www.themedicaredude.com

Answer: If you are over the age of 65 in order to avoid the penalties imposed you will need to submit the CMS-L564 form

If you have income from 24 months ago that will put you in a high income earner you will need to fill out the form SSA-44 for an IRRMA reduction.

You can find these forms on my website under the forms tab.

https://www.themedicaredude.com/forms.html

william

Answer: There are people who have special circumstances that CMS has determined qualify for extra help and benefits.

There are several different categories.

Dual Special Needs - Medicare / Medicaid eligible.

Chronic Special Needs - Those with listed health conditions

SNP - facility plasn - Those who are confined to a facility.

each case is different it is best to talk with a professional

Answer: Plan K will likely cost less than a plan G in upfront premiums.

However, in plan benefits it is substantially higher out of pocket expense on a major health condition.

It would consider a Plan N or a Plan HDG to get the most bang for your buck.

Answer: Medicare Advantage plans have netwrork restrictions and can cost more out of pocket for deductibles and copays. Your doctor who is in network now may not be next year and the plans change annually.

If you are on a Medicare Advantage plan and exceed your first 12 months and have health problems you may never be able to apply for a Medicare Supplement in the future.

Answer: You can still enroll at 65. You will need to do this from the SSA website or by visitin your SSA office.

If you don't enroll at 65 and don't have coverage through a group plan you will be penalized 1% per month for each month you don't have coverage.

You will be billed by Medicare for your part B premium 3 months at a time.

Answer: It's not necessary but you could face pretty high out of pocket costs.

Advantage plans have deductibles and copays. The indemnity plan pays you a set amount by plan

Answer: Puerto Rico is a US territory so there would be coverage. If you are travelling outside the country to a non terrritory then no.

Some Medigap plans (C, D, F, G, M, and N) offer foreign travel emergency coverage, but these plans often have limitations, such as a $250 deductible, a 80% coverage rate, and a lifetime maximum benefit of $50,000.

Answer: Medicare does NOT cover dental implants. There are some Med on care Advantage programs that might but there are limits.

There are stand alone Dental plans that do cover implants.

Answer: If you are getting bills for part B it means you are not taking social security benefits.

Medicare will bill you quarterly if they cannot deduct it from social security payments.

Part B is $186 a month in 2025.

Answer: In your summary of benefits and your annual plan book there will be a list of costs associated with lab tests

You should not be getting surprised billing you should only have to pay your co pay.

Answer: Medicare Advantage Plans are different in almost every county in the country..some plans cover multiple counties.

Medicare Supplement Plans are standardized by CMS and cannot be different based on state or county.

Answer: Medicare does not include dental and vision

Many companies offer stand alone plans I offer coverage that includes dentures and implants.

Answer: Medicare Parts A and B will not be affected.

If you have a Medicare Supplement you will not need to do anything other than inform your provider of the address change.

You will have a Two month open enrollment to choose a new Medicare Advantage or Part D plan.

Answer: To can go to Medicare.gov and compare part d drugs.

When you put them into the plan finder you will be given the lowest prices plan and lowest cost.