Zenaida Rivera, Medicare Insurance Agent

Answer: That depends on your needs. Each person has different needs and health conditions.

You can be oriented with us.

Contact us.

Answer: Yes, some PDP cover the Breztri Aerosphere. You have to check with your Drug Plan.

Some of them are in Tier 3 or 4, you can check with your Drug Provider as well.

Answer: Yes, that's depend on what kind of Medicare Plan (Advantage or Medigap) you have and depending on the carrier as well.

Answer: Yes, you can do it. Some agents or brokers can show you different options that can help you

to do a good decision. Be aware that you can be confused, ask them all doubts or questions that you need to know.

Answer: Sure, you can designate a trusted person, as an authorize representative. Only you will have to submit a formal authorization, using the form CMS-1696. Officially recognized by Medicare.

Answer: If is done by an in-network provider, is usually covered with no additional cost. However, if any additional services, like lab tests or treatments, are provided during this visit, you might have to pay a portion based on your plan.

Answer: I suggest you call to Member Service of your Carrier and ask them for your coverage. They

can answer your questions and send you more information via email or regular mail as well.

Answer: You can switch from one Medigap plan to another without answering health questions or underwriting.

California – 60 days around your birthday to switch to a plan with equal or fewer benefits with any carrier.

Idaho – 63-day window from your birthday to switch plans/companies.

Illinois – 45 days after your birthday (ages 65-75) to change plans with equal or lesser benefits (often with same insurer or affiliates).

Maryland – 30 days from your birthday to switch to a Medigap policy with equal or lesser benefits.

Nevada – 60 days from the first day of your birth month to change plans with equal or lesser benefits.

Oregon – ~30-day window around your birthday to switch plans with equal or lesser benefits.

Kentucky – 60-day period after birthday to switch Medigap plans.

Utah – 60-day window around your birthday (effective May 2025).

Virginia – 60 days from your birthday to change plans (effective July 2025).

Wyoming – 63-day period after your birthday (effective June 2025).

Oklahoma – Many sources indicate a ~60-day birthday rule window.

Louisiana – 63 days from your birthday to switch plans (often limited to same carrier or affiliates)

Delaware – Legislation effective in 2026 establishing a birthday rule (~30 days before and after)

Answer: Contact an Insurance Agent, don't try to do by yourself, you will be confused with all the different Carriers, Plans, Tv and Radio Ads. The agent work is free for you, take advantage of this opportunity.

Answer: No, you didn't. Probably you can review again your Needs Assessment and during the AEP you can change your plan for another Medigap less expensive plan for you.

Answer: There are many reasons that you should work with a Medicare Agent.

The first one is that he or she can explain step by step what you should know about

Medicare Basis. He goes to explain you all your doubts or questions, he goes to search the

plan that filled out all your needs. Also, he or she goes to looking for your Extra Needs that can be applicable for you.

In some situations, the agent looks other links to cover your needs. They can help you to sign up

in your portal Carrier in order, you can see all your transactions with your providers, payments, summary of benefits and much more. The agent will be with you in any situation, concern or inquiries that you could have.