Leshay Speaks Medicare - Medicare FAQ's

1. What is Medicare, and who is eligible for it?

Answer: Medicare is a federal health insurance program primarily for people aged 65 and older. Some individuals with disabilities may also qualify. Eligibility details can vary, so it's important to discuss your specific situation with us.

2. What does "Original Medicare" cover, and do I need additional coverage?

Answer: Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance). While it provides essential coverage, many people opt for additional coverage, such as Medicare Advantage or Medigap Plans, to fill in the gaps and lower out-of-pocket-costs.

3. How can I determine which Medicare Plan is best for me?

Answer: We offer personalized consultations to help you understand your unique healthcare needs and financial situation. Based on your preferences, we'll recommend the most suitable Medicare plan for you.

4. What is the enrollment process for Medicare?

Answer: The enrollment process depends on various factors, including when you become eligible. We can guide you through the enrollment process, ensuring you meet deadlines and understand your options.

5. How do Medicare Advantage plans differ from Original Medicare?

Answer: Medicare Advantage plans are offered by private insurance companies and often provide additional benefits like prescription drug coverage. We can explain the pros and cons of each option to help you decide.

6. Can I change my Medicare Plan if my needs change over time?

Answer: Yes, you can make changes during certain enrollment periods. We can help you navigate these periods and assist with plan adjustments as needed.

7. What is Medigap Insurance, and do I need it with Original Medicare?

Answer: Medigap, or Medicare Supplement Insurance, helps cover out-of-pocket costs that Original Medicare doesn't. Whether you need it depends on your healthcare preferences and budget.

8. How does prescription drug coverage work with Medicare?

Answer: Medicare Part D provides prescription drug coverage. We can help you choose a plan that best fits your medication needs and budget.

9. Are there any financial assistance programs available for Medicare beneficiaries with limited income?

Answer: Yes, there are programs like Extra Help and Medicare Savings Programs that can provide financial assistance. We can assess your eligibility and help you apply.

10. What are the advantages of working with an Independent Medicare Agent like Leshay Speaks Medicare?

Answer: As Independent Agents, we offer unbiased advice, access to multiple insurance providers, and personalized service. We're dedicated to helping you make informed decisions tailored to your needs and preferences.