by Michael Miligi | Jul 14, 2023 | Uncategorized
Does Medicare Cover Medications? Yes and No Medicare does not cover most of the medications that are filled at a pharmacy. However, you can enroll in a Medicare Part D Prescription Drug Plan, which is offered by private insurers and goes with “Original Medicare,” or...
by Michael Miligi | Jul 9, 2023 | Uncategorized
The Best person is someone that knows what they’re talking about. But first, let’s go over who you shouldn’t talk to about Medicare- Medicare- Calling Medicare seems like a good option and everyone you speak to is very helpful but sometimes you may...
by adminpx | Feb 15, 2023 | Uncategorized
What works best? Well, that depends. For starters, there is no “Better.” Since there is no one-size-fits-all plan it depends upon an individual’s personal health needs. Both plans offer coverage to help limit the cost exposure to having Original Medicare alone....
by adminpx | Jan 25, 2023 | Uncategorized
Some People Do And Some People Don’t. If You Are Collecting Social Security- If you started collecting Social Security prior to turning 65 then you will be automatically enrolled and your Medicare will become active on the first day of the month of your...
by adminpx | Jan 21, 2023 | Uncategorized
For starters, it is a Federal Health Insurance program that came about in 1965 as a result of a Bill signed by then President Lyndon Johnson to go with Social Security. The original program provided coverage for the Hospital (Part A) and Medical (Part B) which is why...
by adminpx | Jan 12, 2023 | Uncategorized
Sign Up or Not Sign Up- Most individuals turning 65 will have to enroll in Medicare while others may delay it if certain conditions are met. Which one are you? Some individuals elect to continue to work and are covered by their employer or their spouses. The size of...
by adminpx | Jan 9, 2023 | Uncategorized
Certain Parts of Medicare Have A Monthly Cost And Some Individuals Will Pay More Than Others- Original Medicare consists of Part A Hospital Coverage and Part B Medical Coverage. For most people Part A will be Free. Part B comes with a Base premium of $174.70 but some...
by adminpx | Jan 4, 2023 | Uncategorized
Yes, If Certain Conditions Are Met- You can qualify for Medicare Part A and Medicare Part B prior to attaining age 65. For individuals that have a qualifying Disability, Medicare is available. These individuals must have received Social Security Disability Benefits...
by adminpx | Oct 1, 2022 | Uncategorized
Anyone enrolled in Medicare will tell you that this time of year is overwhelming. The Medicare solicitations are just ridiculous. Whatever happened to the “Do Not Call List?” With that in mind, there are some important things to consider during this...
by adminpx | Aug 4, 2022 | Uncategorized
Some states have help for seniors that are on expensive prescription Medications. New York is one of them and their program is called EPIC. For individuals that don’t qualify for programs such as Medicaid or Extra Help because of income, they will often qualify...
by adminpx | Jul 29, 2022 | Uncategorized
Enrolling in Medicare is not something to be taken lightly. If an individual is currently covered by an employer with over 20 employees, then they don’t have to sign up. If their employer has lass than 20 employees then they must enroll in both Medicare Part A...
by adminpx | Jul 1, 2022 | Uncategorized
An HSA is a type of savings account that let’s you set aside money on a pre-tax basis to pay for qualified medical expenses. By using un taxed dollars in a Health Savings Account (HSA) to pay for deductibles, coinsurance, copays etc, you may be able to lower...
by adminpx | Jul 1, 2022 | Uncategorized
Medicare Advisor Mike is actually a Broker located in Bay Shore, NY, Licensed in the State of New York (and Several other states) and Certified with the Centers for Medicare and Medicaid Services(CMS). He has helped thousands of people transition to Medicare and their...
by adminpx | Apr 7, 2022 | Uncategorized
Medicare is made up of 4 parts, A,B,C and D. Each letter designation represents a different area of medical coverage. It all begins with what is known as “Original Medicare,” Hospital Part A and Medical Part B. Hospital Part A- Is an admitted hospital...
by adminpx | Mar 22, 2022 | Uncategorized
Medicare was created as part of the 1965 Amendments to Social Security that created Medicare and Medicaid. Medicare is Health Insurance Coverage (Hospital Part A and Medical Part B) for people 65 or older, certain people under 65 with disabilities and people any age...
by adminpx | Apr 25, 2021 | Uncategorized
Identity Theft is very real and seniors are particularly vulnerable. When your turning 65 your on a list and entities are out there with one mission, sign you up for a plan and get paid. While these are probably legitimate it’s easy to lose...
by adminpx | Apr 25, 2021 | Uncategorized
The Captive Agent is an agent that is employed by the individual Insurance Company. While the captive agent is probably honest and governed by standards set by the carrier, here are a few things to take into...
by adminpx | Apr 25, 2021 | Uncategorized
What is a Preferred Pharmacy? A Preferred Pharmacy is a pharmacy that has an affiliation or arrangement with a specific Health Plan/Part D Plan. When a Pharmacy is preferred it will have a lower copay for a medication then other pharmacies in the area. If you are...
by adminpx | Apr 25, 2021 | Uncategorized
Turning 65 and having to think about Medicare can be a daunting chore. There are many avenues to get information, in fact probably too many to the point of being really confusing. If you are nearing 65 you are receiving phone calls, email, solicitation cards for your...
by adminpx | Apr 25, 2021 | Uncategorized
Some states provide assistance for expensive Medications. An example of this is E.P.I.C the New York State Medication assistance program. It stands for Elderly Pharmaceutical Insurance Coverage. On EPIC, your most expensive...
