Don Eric Weber-Health Insurance Answers

Don Eric Weber-Health Insurance Answers Expert guidance Since 2010 for Health, Life, Medicare and Retirement Planning. I work FOR YOU-not for the Insurance Companies!

Helping you PERSONALIZE Your Health Insurance, Medicare Supplement or Medicare Advantage Plan with the full coverage you need - including Dental, Vision, Hearing and GAP COVERAGE to pay out-of-pocket costs your insurance does not!

05/05/2026

Turning 65? There are two paths to choose from when taking your Medicare!
1. Medicare Advantage
2. Original Medicare with a Medigap supplement and a prescription plan!
Which one is right for you?
This is Medicare minute, Episode 1



05/05/2026

Medicare minute number #1 - there are two paths to choose from!

04/23/2026

WHAT MEDICARE DOES NOT COVER:
Original Medicare (Part A and B) does not cover all healthcare costs, with significant gaps in routine and long-term care. Key items generally not covered include long-term/custodial care, most dental care, routine eye exams/glasses, hearing aids, and care outside the U.S..

Here are 5 key things Medicare does not cover:
Long-Term Care (Custodial Care): Medicare does not pay for custodial care (help with bathing, dressing, eating) or long-term stays in nursing homes or assisted living facilities.
Most Dental Care: Routine dental exams, cleanings, fillings, dentures, and tooth extractions are generally not covered.
Routine Vision Care: Medicare does not cover eye exams for prescribing glasses, eyeglasses, or contact lenses, except following cataract surgery.
Hearing Aids and Exams: Routine hearing exams and fittings for hearing aids are not covered.
International Care: Health care services received outside of the United States are typically not covered.

Other Non-Covered Items:
Cosmetic Surgery: Generally excluded.
Routine Foot Care: Such as cutting or removing corns/calluses.
Alternative Medicine: Acupuncture (with some exceptions) and chiropractic care (beyond manipulation of the spine).

To cover these gaps, you can purchase Supplemental Coverage or look into private Medicare Advantage (Part C) plans, which often include vision, dental, and hearing coverage.

Why are Medicare Advantage plans becoming LESS POPULAR?1. Many plans have reduced Benefits to the Consumer due to cutbac...
04/14/2026

Why are Medicare Advantage plans becoming LESS POPULAR?
1. Many plans have reduced Benefits to the Consumer due to cutbacks in CMS Funding = Beneficiaries getting less benefits and higher out of pocket costs!
2. Many Carriers have "reduced coverage areas" and pulled out of certain Zip Codes entirely, because of their Medical Loss Ratio and the cutbacks in funding = Your plans is NOT PERMANENT and can be cancelled next year!
3. "Prior Authorization DENIED" when the Insurance Company requires your Physician to justify WHY a Diagnostic Test or Treatment or Surgery is "Medically Necessary," and the Medicare Advantage Insurance Company DENYS IT, and you and your Doctor have to APPEAL THE DECISION = Original Medicare does not do that! (HINT: 70 to 80% are approved upon Appeal - but they have created the delay!)
4. More and more Providers refusing to be "In Network" with certain MA Insurance Companies because low compensation, AND the policy of "denials, delays and deferrals" for treatments your Physician deems "Medically Necessary." = Delays in Diagnosing CAN AFFECT YOUR HEALTH!

5. A typical Copay for a Hospital Stay is $1500 to $2000 and Max Out-of-Pocket (MOOP) could be as high as $9,350 per year! Medicare Advantage pays 80% of Chemotherapy and/or Radiation you will pay 20% until you meet the MOOP. Then, January 1st your costs START OVER!
CONCLUSION: The only Advantage to Medicare Advantage is MONTHLY COST, and often the Monthly Premium is $0. But, if you have Original Medicare with a Plan G Medicare Supplement you will only owe $283 dollars for ALL MEDICARE APPROVED EXPENSES.

LTC -  Long-Term Care Myths and MisconceptionsPerhaps you are uncomfortable discussing long-term care planning, and as a...
03/18/2026

LTC - Long-Term Care Myths and Misconceptions
Perhaps you are uncomfortable discussing long-term care planning, and as a result, you may have some misunderstandings. Some common misconceptions about long-term care include:

*Health insurance will cover all care needs*
NO - Health insurance will only cover medical needs, which doesn’t include help with daily activities or home modifications or extended Nursing Home Care.

*My family will take care of everything*
NO - The impact on loved ones can be devastating if they are pushed beyond their financial, physical, or emotional limits.

*I will never need need long-term care.
NO - The reality is that most people - 50 to 70% of people over 65 - will need long-term care at some point in their lives, and being unprepared can make the process much harder.

*I am too young to need long-term care*
NO - While most long-term care planning is done for older individuals, the need for care can arise at any age. For example, someone could become disabled during their working years and need care while they recover.

If you struggle with the idea of planning for future care needs, I will be posting tips to help you see the importance and begin to plan —if not for yourself, then for their loved ones.

Protect yourself from Medicare fraud!DID YOU KNOW - that if someone cold calls you about your MEDICARE ENROLLMENT they a...
03/17/2026

Protect yourself from Medicare fraud!
DID YOU KNOW - that if someone cold calls you about your MEDICARE ENROLLMENT they are already breaking the law?
Cold calling Seniors to sell Medicare plans is generally illegal and against rules set by the Centers for Medicare & Medicaid Services (CMS). Insurance agents cannot call or email you to sell Medicare products unless you have given them explicit permission, nor can they visit your home without an invitation.
Key Things to Know About Medicare Calls
*No Unsolicited Calls: Licensed agents and brokers are prohibited from making unsolicited calls to beneficiaries to market Medicare Advantage or Part D plans.
*Medicare (.gov) Never Calls: Medicare itself does not make unsolicited calls to ask for personal info, such as your Social Security number or Medicare number.
*Common Scams: Callers often lie about your coverage expiring or offer "free" products to steal your information.
*Spoofing: Scammers often fake caller ID to look like they are calling from a government agency or a health provider that you already know and trust, such as the Federal Communications Commission (.gov).
How to Protect Yourself
Hang Up: If you receive an unexpected call about Medicare, hang up immediately.
Do Not Share Info: Never provide your Medicare number, social security number, or banking info to an unsolicited caller.
Report Scammers: Report suspicious calls to 1-800-MEDICARE or the Federal Trade Commission (.gov).
Use the Do Not Call Registry: Register your phone number at donotcall.gov.
If an agent calls you without permission, you can report them to the state insurance board.
Guard your card and report suspected fraud or medical identity theft right away. Your Medicare.gov account has many security features to protect your personal information.

Want to change your HEALTH INSURANCE?Enroll by Jan. 15, 2026,* for a Feb. 1, 2026 Effective DateCall me 888-270-2257
01/06/2026

Want to change your HEALTH INSURANCE?
Enroll by Jan. 15, 2026,* for a Feb. 1, 2026 Effective Date
Call me 888-270-2257

A 15 minute phone call could save you money and help you get better coverage!
12/20/2025

A 15 minute phone call could save you money and help you get better coverage!

12/20/2025

There's a short time left to review your health insurance for next year!
I'm offering free help!

12/16/2025

Did you miss the December 15th health insurance deadline???

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