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.

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28405

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Telephone

+18882702257

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