October 15, 2025 • 22 mins
Learning about Medicare 20225 New York Senior Care new York
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
The topics and opinions express in the following show are
solely those of the hosts and their guests and not
those of W FOURCY Radio. It's employees are affiliates. We
make no recommendations or endorsements for radio show programs, services,
or products mentioned on air or on our web. No liability,
explicit or implied shall be extended to W FOURCY Radio
or its employees are affiliates. Any questions or comments should
be directed to those show hosts. Thank you for choosing
(00:21):
W FOURCY Radio.
Speaker 2 (00:26):
Welcome to the Ask the Experts Show on W FOURCY
Radio and Talk for TV, where we bring you educational
information from top local experts in the fields of legal, health,
financial and home improvement. Now sit back and listen to
experts in family law, association, law, hearing laws, business brokers,
(00:47):
home care, along with many other topics. Now Here are
your hosts, Spivo and Sophia.
Speaker 3 (00:55):
Hey, Good morning New York. Welcome to another as the
expert show we bring you for the last sixteen years,
we bring you the top experts in the field of legal, health, financial,
and home improvement. Folks are hottest show. I can't believe
I said. Folks sound like I'm from Texas. Now for
the hottest shows we have going on now across the
(01:20):
country are our Medicare shows. And I got to tell you,
though I look like I'm in my early twenties on Medicare,
I love Medicare and I'm hoping that this show is
going to educate you because I was uneducated and I
(01:40):
made so many mistakes that were costly to me, and
I don't want that to happen. We were able to
find the top company when it comes to Medicare. The
name of the companies Alcorn and Associates. We have with
us today, Dan Alcorn and Chris Ama ro See. I
(02:00):
hope I pronounced that right, Chris perfect perfect Good Good
morning guys, Listen. I was shocked at the numbers for
our first show, and I am so happy because that
means we're going to be educating people and I want
people to know and that it is so important that
(02:25):
you get a good agent because my first agent was
a nightmare. But good morning, hey, Dan, tell us about
al Corn and Associates.
Speaker 4 (02:36):
Thank you Steve for having us. And you know today
is the first day of the twenty twenty six Medicare
Annual Enrollment period. I call it opening day, you know,
first kick off, whatever your analogy is. But we are
a team of licensed, independent agents, all based in New York,
from the Canadian border to New York City and Long Island. Earlier,
(03:00):
we were going to have more of us on the
show this morning, but they're out on appointments because today
is the first day. Yeah, we're independent, where licensed, we're
not employed by any company. Folks can go to Medicare
dot gov and see what companies offer plans, but we
choose to represent a handful of those that we think
(03:22):
match our clients medications, doctors, budgets, and travel needs. So
we're excited to be on the show. Thank you, and
looking forward to a very busy annual Roman period. And
my colleague with me this morning, as you pronounced it correctly,
is Chris Amrosi. He is a veteran in the healthcare space,
having been employed by some of those companies and now
(03:44):
is working with us independent. Welcome Chris, Thank you.
Speaker 5 (03:48):
Yes, And to segue into what Dan was just saying,
it's open enrollment this morning, I told my wife I'll
see her December eighth.
Speaker 3 (04:00):
It's good.
Speaker 5 (04:00):
Keep my dinner, just keep my dinner in the oven
when I.
Speaker 3 (04:03):
Come home and listen, I want to tell people I
was just talking about it before. It is so important
that you get a good agent. Now we're seeing all
these commercials from these national companies. But folks, I got
to tell you it's different, and I'm sure it's like
(04:23):
this in the arc. It's different by county, it's different
by state. You can't go by these national commercials. You know,
you don't want to just call into the company. My
first agent, he was so bad. He was just like
an order taker. And customer service is so important, isn't.
Speaker 4 (04:44):
It, Dan, Absolutely, when you work with an agent, we
want to point out that that does not affect your premium,
doesn't cost remember anything, and it's just an extra set
of eyes so that you know, if you enroll through
an online service or directly with the company, that's all
well and good, but your customer service number is one
(05:06):
eight hundred whoever picks up the phone. Whereas, locally, your
agent should be aware of the local hospital networks, provider networks,
what's going on in your local community. You know healthcare.
Steve is local, and so you know, we we try
to add that value to the relationship and to keep
our clients informed throughout the year as to what, you know,
(05:28):
what may be happening in their local landscape.
Speaker 3 (05:31):
Well, I got to tell you, I'm so glad we
have you today and I'm hoping and I got to
tell you we started promoting the show several days ago
and the calls that came in and the people with questions.
The number one question and addresses to you, Chris, The
number one question is what is the difference between Medicare
(05:55):
and Medicaid.
Speaker 5 (05:58):
Yeah, that's that, and that's a great question because that's always,
you know, a topic. So Medicare obviously, when you're sixty
five years old or disabled, you know, that's when Medicare
kicks in. But Medicaid is such a total different animal,
and it's for the lower income individuals and it gives
(06:21):
them assistance with their healthcare needs. So where you just
said you were on medicare, not knowing your financial situation,
but if you make I believe this year it's eighteen
hundred and ten dollars. If you're below that level, now
you're eligible for Medicaid. And when you're eligible for Medicaid,
(06:43):
that just brings in a lot more benefits to help
you get the healthcare that you need and to maintain
that level of care that we all have.
Speaker 3 (06:54):
Well, I got to tell you, there's so many people
that I found out there were just like me, didn't
understand when you can enroll all the different procedures in
involved plan A, B, C, D. So Dan, let's start
off people. Today is the first day. What does that mean?
Speaker 4 (07:16):
That means if you're enrolled in a Medicare Parts C.
Here we go with the abc D. Medicare Parts C
is off is called Medicare advantage and think about Part
C as combining parts A hospitalization, B medical, and D
drugs into one plan. When you want to enroll in
(07:37):
Medicare Parts C or change your Part C plan, you
can do that beginning October fifteenth through December seventh, when
Chris will see his wife again, and that will take
effect on January first of the next year. So this
is you know when you can change the plan you're in.
Speaker 3 (07:56):
Now.
Speaker 4 (07:56):
Some folks Steve are already enrolled in a Medicare Vantage plan,
and last month when we spoke, we were talking about
to watch their mailbox because changes were coming to those plans.
It could be as simple as a premium change or
maybe a copay change, and if members are comfortable with that,
they don't need to do anything. That plan will just
(08:18):
automatically renew into next year. But in many markets, particularly
here in New York State, many of those Medicare advantage
plans are ending and people will need to find a
new plan. So we're dealing now with literally, you know,
hundreds and thousands of people whose plan is being discontinued
(08:38):
and they now have to go find a new Medicare
advantage plan or return to original Medicare and add a
supplemental plan. So those are two distinctions. If I might
just follow up though on what Chris mentioned about Medicare
and Medicaid was great answer that one is federal and
the other one is state based on the income. But
(09:00):
they also have these plans called duel where you take
your Medicare and Medicaid plans and combine them into one,
and that's called a dual Medicare Medicaid plan. And if
folks visit our website dgalcorn dot com under the twenty
twenty six Medicare plans, you drop down you'll see more
information about those dual plans. So it kind of married
(09:22):
the two of them.
Speaker 6 (09:22):
So and Steve, if I could just I could just
just piggyback on what Dan said, especially this year, and
I have been telling all my clients and prospects, especially
this year because of all of these changes in our area,
it is imperative that you're try not to navigate this
(09:43):
Medicare arena alone this year.
Speaker 3 (09:46):
It's just too confusing.
Speaker 5 (09:49):
And it's it's always good to have that broker because
once you become a client of ours, if you have
a question, you can call us directly, and you're just
we just let our clients know that you're not alone
in this process because it can be overwhelming.
Speaker 3 (10:05):
Right. He's just got a text from Betty and Queens.
Thank you so much for bringing a show like this.
I can't believe there aren't more shows on this. I
want to know. What is a supplemental plan? Oh? Go ahead, Yeah,
go ahead, Dan.
Speaker 4 (10:24):
So, supplemental is when you are not on a Medicare
advantage plan. You start out originally with your red, white
and Blue Medicare card, but original Medicare doesn't cover one
hundred percent of your cost. There's a gap there, roughly
eighty twenty. The government plan picks up eighty percent and
you're responsible for that twenty percent. You can supplement that
(10:47):
coverage or fill that gap with what's called the Medicare
supplement sometimes called a medic gap plan, so that that
part that Medicare doesn't pay can be partially, depending on
your age, totally paid for. Those metagap supplement plans can
be pricey.
Speaker 3 (11:06):
Again.
Speaker 4 (11:07):
On our website Dgalcorn dot com, there's a link right
to the New York State Department of Financial Services. You
put in your zip code there in Queens. It will
tell you what plans plans F and G and N
and all of that by which company and what the
premium would be for you. Betty, great question, Thank you.
Speaker 3 (11:26):
Another question that just came in. See you know, it's amazing.
We can just go by all the questions that people
who are watching or listening in this one is I'm
listening on your radio station. Now down, everything looks good.
Thank you for bringing a show like this. My question
(11:48):
is what if you miss the enrollment date? What are
the penalties.
Speaker 4 (11:55):
Want to go for that?
Speaker 5 (11:55):
Chris, Well, it depends on what you miss. If you
just turning sixty five, you have three months prior to
being sixty five, you have the month that you turn
sixty five, and then three months after you turn sixty five,
if you fail to enroll in Part B, there is
(12:17):
a penalty that has incurred for that. And then on
top of that, if you don't enroll in a Part
D plan, there's another penalty. And to go into those
calculations sometimes you have to have a four year degree
from MIT to figure out its percentages and this and that.
But these penalties, which is very important for people to know,
(12:40):
these penalties will carry you or carry with you for
your entire life. So it's just not a one time penalty.
It's a month after month after month, year after year
after year. So the nice thing that Medicare has done
is so for these people who make the change from
this October fifteenth to December seventh for an effective date
(13:03):
of January one, they also have an opportunity from January
one to March thirty first to say, hey, you know what,
Chris or Dan, I tried that plan out. I really
don't think it's for me. Can we can I make
a change. So you have that opportunity between January first
and March thirty first to make that change. So I
(13:25):
always tell people who are just turning sixty five is
to do things start process three months before you plan
on retiring or that you're turning sixty five, to give
you a little bit of a buffer.
Speaker 4 (13:37):
Right, And if I might add on our website again,
sounds like I keep check talking about go to the website.
But at Dgalcorn dot com you'll see a drop down
for the calendar. And to Chris's point, there are certain
deadlines that you, you know, may want to watch. The
annual Roman period deadline. By the way, the one from
October today through December seventh is some extra time for
(14:02):
those individuals whose plan is being terminated. So we want
to make sure that everybody whose plan is going away
that there's an extra time after December seventh to make
sure you get something in place for January one. So
I would say, you know, do your homework now, get
on it, get in touch with us, but there is
some additional time.
Speaker 3 (14:24):
It's so funny we're getting questions and about ACCH to
help plan and people are complaining. Listen, Dan and Chris
have nothing to do with that. Okay, that's the government
they have. Don't say so, none of us do. I
just wanted to say that we here's a gentleman in Brooklyn.
(14:49):
Thank you for the show we watch. My wife and
I watch many of your shows here in New York.
This must be a new one. Thank you. My wife
and I are getting ready to purchase Medicare. My question
is we live in New York six months out of
(15:10):
the year and Florida six months out of the year.
Where should we register.
Speaker 4 (15:16):
Well, your Medicare account is where Social Security says you live, okay,
so you if you live in wherever, social Security in
the IRS, and your bank account, those eventually all need
to be syncd up. So if your Social Security and
(15:37):
your Medicare account is in New York but your bank
account addresses in Florida, something to get flagged there. But
to a larger point, if you're spending six months in
one state in six months and another, you're going to
want to make sure that your Medicare coverage, whether it's
original Medicare and a supplement or this part C Medicare
(15:57):
advantage plan covers you where you may be. We have
up in New York a lot of snowbirds are called
that spend three months in Florida and enroll in a
Medicare advantage plan. That has a limited network of doctors,
and so there's some issues when they are spending three
months in Florida or elsewhere and have a team of
(16:20):
providers there as well. So we as a team work
with our members on that. And I'll put a shout
out to our agent, Alicia, who does great work in
Queens Brooklyn and Long Island. So she was on the
show in September. But yeah, absolutely, if you're going to
be in Florida most of the time, then you want
to make sure that your Social Security, your Medicare, and
(16:44):
your bank address all have that Florida address, and then
you would enroll in a plan that is offered to
residents of that county in Florida. And we're licensed in
Florida as well, I might add.
Speaker 3 (16:55):
You know, I got to tell you that I was
talking about how important it is who your agent is.
And I'm not sucking up Dan and Chris, I promise you.
But I got to tell you I been doing this
for sixteen years, and you see, I mean, I wish
(17:16):
all my experts for like Dan. He is always on
top of it. I'll probably hear from Dan two or
three times a month, and what that shows me is
that you're going to have an agent who is going
to always be there for you. And I've got to
(17:38):
tell you, everybody's not like that. Some people I hear
from once every three months. But I must compliment Dan,
where you run your company, you're always right on top
of it. And I just want to thank you for that.
And it looks like a lot of the listeners and
viewers want to thank you too.
Speaker 4 (17:56):
Well, that's generous. Thank you. We try to stay in
touch throughout the year with timely information. There's a lot
of proposals and rhetoric in the marketplace right now, but
once we find that something is final, whether it's a
Medicare rule or Part D changes or your Part B premiums.
You know, there's been speculation, for example, as to what
(18:19):
the Part B premium will be next year, the amount
you pay Medicare, well, that's not been announced by CMS,
the Center for Medicare and Services. Once we know that,
we then get that word out and any interpretations of
how that, you know, how that, whatever the issue is.
We try to get the information out so that when
our members get to the annual enrollment period, their questions
(18:41):
are fewer because we're trying to get them armed with
information to make an informed decision for the next year.
Speaker 3 (18:47):
And I've got to tell people, Bob Orr I just
learned this the other day. Just because your policy says something,
say from last year, you've got to check every year
because I just two years ago i got glasses. It
didn't I'm on Humana on the Advantage Gold plan, and
(19:08):
two years ago my glasses didn't cost me anything, not
a dime. I went in for glasses yesterday and I mean,
it's not that much, but it is. It was one
hundred and sixty dollars now, So that's in two years.
So it's really important that you check and see that
(19:29):
your plan is hasn't changed, because they do. They change.
Speaker 4 (19:35):
Well, if I may, Steve, let mean, the most important
thing we're seeing in the twenty twenty six and what
we're encouraging all members to do is double check that
drug formulary. That's where the big changes are for twenty
twenty six. Formularies are changing, Deductibles are changing, the medications
in the formulary, their tier levels are changing. That's where
(19:56):
we're finding the greatest change. We encourage everybody to double
check that before or they stay with or changing their plan.
Speaker 5 (20:02):
And go to Dan's point, that was one thing I
drove home to my client base is between September thirtieth
and October second, you're going to be getting your annual
notice of change. Please just don't throw it into pile
with the Women's Day magazine.
Speaker 3 (20:19):
You have to read it.
Speaker 5 (20:20):
If you have any questions, give us a call. We'll
go through it line by line because to your point, Steve,
it's very important to know what's changing for twenty twenty
six and not be blindsided.
Speaker 3 (20:31):
Right. Well, we've got a minute left for the people
who are listening on radio, on iHeart, Spotify, tell people
how they can reach you.
Speaker 4 (20:42):
So we have a website full of information that covers
New York state www dot DG Alcorn that's alco r
N dot com or our office numbers five one eight,
three four six two one one five. Our receptions will
be glad to put you in touch with an agent
servicing your community, even get you on his or her
(21:05):
calendar for a no obligation consultation.
Speaker 3 (21:09):
And real quickly, someone just wrote in, do you also
handle health insurance?
Speaker 4 (21:15):
No, we're just focused on the Medicare space. O. Great question, Thank.
Speaker 3 (21:18):
You and listen you guys will be back again with
us next month. Thank you so much. Dan. You're going
to be getting a copy of the show the next
couple of days. We'll see you again next month. Thanks
er much, Steve. But everything work this time, all right,
We're going to go to break. We'll be right back.
Speaker 2 (21:42):
Thanks for tuning in today to the Ask the Expert
Show on the W four c Y Radio and Talk
for TV tue in next week and every week to
hear more from our experts on personal injury, insurance, air
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areas of legal, health, financial and home improvement. See you
(22:05):
next week.
The topics and opinions express in the following show are
solely those of the hosts and their guests and not
those of W FOURCY Radio. It's employees are affiliates. We
make no recommendations or endorsements for radio show programs, services,
or products mentioned on air or on our web. No liability,
explicit or implied shall be extended to W FOURCY Radio
or its employees are affiliates. Any questions or comments should
be directed to those show hosts. Thank you for choosing
(00:21):
W FOURCY Radio.
Speaker 2 (00:26):
Welcome to the Ask the Experts Show on W FOURCY
Radio and Talk for TV, where we bring you educational
information from top local experts in the fields of legal, health,
financial and home improvement. Now sit back and listen to
experts in family law, association, law, hearing laws, business brokers,
(00:47):
home care, along with many other topics. Now Here are
your hosts, Spivo and Sophia.
Speaker 3 (00:55):
Hey, Good morning New York. Welcome to another as the
expert show we bring you for the last sixteen years,
we bring you the top experts in the field of legal, health, financial,
and home improvement. Folks are hottest show. I can't believe
I said. Folks sound like I'm from Texas. Now for
the hottest shows we have going on now across the
(01:20):
country are our Medicare shows. And I got to tell you,
though I look like I'm in my early twenties on Medicare,
I love Medicare and I'm hoping that this show is
going to educate you because I was uneducated and I
(01:40):
made so many mistakes that were costly to me, and
I don't want that to happen. We were able to
find the top company when it comes to Medicare. The
name of the companies Alcorn and Associates. We have with
us today, Dan Alcorn and Chris Ama ro See. I
(02:00):
hope I pronounced that right, Chris perfect perfect Good Good
morning guys, Listen. I was shocked at the numbers for
our first show, and I am so happy because that
means we're going to be educating people and I want
people to know and that it is so important that
(02:25):
you get a good agent because my first agent was
a nightmare. But good morning, hey, Dan, tell us about
al Corn and Associates.
Speaker 4 (02:36):
Thank you Steve for having us. And you know today
is the first day of the twenty twenty six Medicare
Annual Enrollment period. I call it opening day, you know,
first kick off, whatever your analogy is. But we are
a team of licensed, independent agents, all based in New York,
from the Canadian border to New York City and Long Island. Earlier,
(03:00):
we were going to have more of us on the
show this morning, but they're out on appointments because today
is the first day. Yeah, we're independent, where licensed, we're
not employed by any company. Folks can go to Medicare
dot gov and see what companies offer plans, but we
choose to represent a handful of those that we think
(03:22):
match our clients medications, doctors, budgets, and travel needs. So
we're excited to be on the show. Thank you, and
looking forward to a very busy annual Roman period. And
my colleague with me this morning, as you pronounced it correctly,
is Chris Amrosi. He is a veteran in the healthcare space,
having been employed by some of those companies and now
(03:44):
is working with us independent. Welcome Chris, Thank you.
Speaker 5 (03:48):
Yes, And to segue into what Dan was just saying,
it's open enrollment this morning, I told my wife I'll
see her December eighth.
Speaker 3 (04:00):
It's good.
Speaker 5 (04:00):
Keep my dinner, just keep my dinner in the oven
when I.
Speaker 3 (04:03):
Come home and listen, I want to tell people I
was just talking about it before. It is so important
that you get a good agent. Now we're seeing all
these commercials from these national companies. But folks, I got
to tell you it's different, and I'm sure it's like
(04:23):
this in the arc. It's different by county, it's different
by state. You can't go by these national commercials. You know,
you don't want to just call into the company. My
first agent, he was so bad. He was just like
an order taker. And customer service is so important, isn't.
Speaker 4 (04:44):
It, Dan, Absolutely, when you work with an agent, we
want to point out that that does not affect your premium,
doesn't cost remember anything, and it's just an extra set
of eyes so that you know, if you enroll through
an online service or directly with the company, that's all
well and good, but your customer service number is one
(05:06):
eight hundred whoever picks up the phone. Whereas, locally, your
agent should be aware of the local hospital networks, provider networks,
what's going on in your local community. You know healthcare.
Steve is local, and so you know, we we try
to add that value to the relationship and to keep
our clients informed throughout the year as to what, you know,
(05:28):
what may be happening in their local landscape.
Speaker 3 (05:31):
Well, I got to tell you, I'm so glad we
have you today and I'm hoping and I got to
tell you we started promoting the show several days ago
and the calls that came in and the people with questions.
The number one question and addresses to you, Chris, The
number one question is what is the difference between Medicare
(05:55):
and Medicaid.
Speaker 5 (05:58):
Yeah, that's that, and that's a great question because that's always,
you know, a topic. So Medicare obviously, when you're sixty
five years old or disabled, you know, that's when Medicare
kicks in. But Medicaid is such a total different animal,
and it's for the lower income individuals and it gives
(06:21):
them assistance with their healthcare needs. So where you just
said you were on medicare, not knowing your financial situation,
but if you make I believe this year it's eighteen
hundred and ten dollars. If you're below that level, now
you're eligible for Medicaid. And when you're eligible for Medicaid,
(06:43):
that just brings in a lot more benefits to help
you get the healthcare that you need and to maintain
that level of care that we all have.
Speaker 3 (06:54):
Well, I got to tell you, there's so many people
that I found out there were just like me, didn't
understand when you can enroll all the different procedures in
involved plan A, B, C, D. So Dan, let's start
off people. Today is the first day. What does that mean?
Speaker 4 (07:16):
That means if you're enrolled in a Medicare Parts C.
Here we go with the abc D. Medicare Parts C
is off is called Medicare advantage and think about Part
C as combining parts A hospitalization, B medical, and D
drugs into one plan. When you want to enroll in
(07:37):
Medicare Parts C or change your Part C plan, you
can do that beginning October fifteenth through December seventh, when
Chris will see his wife again, and that will take
effect on January first of the next year. So this
is you know when you can change the plan you're in.
Speaker 3 (07:56):
Now.
Speaker 4 (07:56):
Some folks Steve are already enrolled in a Medicare Vantage plan,
and last month when we spoke, we were talking about
to watch their mailbox because changes were coming to those plans.
It could be as simple as a premium change or
maybe a copay change, and if members are comfortable with that,
they don't need to do anything. That plan will just
(08:18):
automatically renew into next year. But in many markets, particularly
here in New York State, many of those Medicare advantage
plans are ending and people will need to find a
new plan. So we're dealing now with literally, you know,
hundreds and thousands of people whose plan is being discontinued
(08:38):
and they now have to go find a new Medicare
advantage plan or return to original Medicare and add a
supplemental plan. So those are two distinctions. If I might
just follow up though on what Chris mentioned about Medicare
and Medicaid was great answer that one is federal and
the other one is state based on the income. But
(09:00):
they also have these plans called duel where you take
your Medicare and Medicaid plans and combine them into one,
and that's called a dual Medicare Medicaid plan. And if
folks visit our website dgalcorn dot com under the twenty
twenty six Medicare plans, you drop down you'll see more
information about those dual plans. So it kind of married
(09:22):
the two of them.
Speaker 6 (09:22):
So and Steve, if I could just I could just
just piggyback on what Dan said, especially this year, and
I have been telling all my clients and prospects, especially
this year because of all of these changes in our area,
it is imperative that you're try not to navigate this
(09:43):
Medicare arena alone this year.
Speaker 3 (09:46):
It's just too confusing.
Speaker 5 (09:49):
And it's it's always good to have that broker because
once you become a client of ours, if you have
a question, you can call us directly, and you're just
we just let our clients know that you're not alone
in this process because it can be overwhelming.
Speaker 3 (10:05):
Right. He's just got a text from Betty and Queens.
Thank you so much for bringing a show like this.
I can't believe there aren't more shows on this. I
want to know. What is a supplemental plan? Oh? Go ahead, Yeah,
go ahead, Dan.
Speaker 4 (10:24):
So, supplemental is when you are not on a Medicare
advantage plan. You start out originally with your red, white
and Blue Medicare card, but original Medicare doesn't cover one
hundred percent of your cost. There's a gap there, roughly
eighty twenty. The government plan picks up eighty percent and
you're responsible for that twenty percent. You can supplement that
(10:47):
coverage or fill that gap with what's called the Medicare
supplement sometimes called a medic gap plan, so that that
part that Medicare doesn't pay can be partially, depending on
your age, totally paid for. Those metagap supplement plans can
be pricey.
Speaker 3 (11:06):
Again.
Speaker 4 (11:07):
On our website Dgalcorn dot com, there's a link right
to the New York State Department of Financial Services. You
put in your zip code there in Queens. It will
tell you what plans plans F and G and N
and all of that by which company and what the
premium would be for you. Betty, great question, Thank you.
Speaker 3 (11:26):
Another question that just came in. See you know, it's amazing.
We can just go by all the questions that people
who are watching or listening in this one is I'm
listening on your radio station. Now down, everything looks good.
Thank you for bringing a show like this. My question
(11:48):
is what if you miss the enrollment date? What are
the penalties.
Speaker 4 (11:55):
Want to go for that?
Speaker 5 (11:55):
Chris, Well, it depends on what you miss. If you
just turning sixty five, you have three months prior to
being sixty five, you have the month that you turn
sixty five, and then three months after you turn sixty five,
if you fail to enroll in Part B, there is
(12:17):
a penalty that has incurred for that. And then on
top of that, if you don't enroll in a Part
D plan, there's another penalty. And to go into those
calculations sometimes you have to have a four year degree
from MIT to figure out its percentages and this and that.
But these penalties, which is very important for people to know,
(12:40):
these penalties will carry you or carry with you for
your entire life. So it's just not a one time penalty.
It's a month after month after month, year after year
after year. So the nice thing that Medicare has done
is so for these people who make the change from
this October fifteenth to December seventh for an effective date
(13:03):
of January one, they also have an opportunity from January
one to March thirty first to say, hey, you know what,
Chris or Dan, I tried that plan out. I really
don't think it's for me. Can we can I make
a change. So you have that opportunity between January first
and March thirty first to make that change. So I
(13:25):
always tell people who are just turning sixty five is
to do things start process three months before you plan
on retiring or that you're turning sixty five, to give
you a little bit of a buffer.
Speaker 4 (13:37):
Right, And if I might add on our website again,
sounds like I keep check talking about go to the website.
But at Dgalcorn dot com you'll see a drop down
for the calendar. And to Chris's point, there are certain
deadlines that you, you know, may want to watch. The
annual Roman period deadline. By the way, the one from
October today through December seventh is some extra time for
(14:02):
those individuals whose plan is being terminated. So we want
to make sure that everybody whose plan is going away
that there's an extra time after December seventh to make
sure you get something in place for January one. So
I would say, you know, do your homework now, get
on it, get in touch with us, but there is
some additional time.
Speaker 3 (14:24):
It's so funny we're getting questions and about ACCH to
help plan and people are complaining. Listen, Dan and Chris
have nothing to do with that. Okay, that's the government
they have. Don't say so, none of us do. I
just wanted to say that we here's a gentleman in Brooklyn.
(14:49):
Thank you for the show we watch. My wife and
I watch many of your shows here in New York.
This must be a new one. Thank you. My wife
and I are getting ready to purchase Medicare. My question
is we live in New York six months out of
(15:10):
the year and Florida six months out of the year.
Where should we register.
Speaker 4 (15:16):
Well, your Medicare account is where Social Security says you live, okay,
so you if you live in wherever, social Security in
the IRS, and your bank account, those eventually all need
to be syncd up. So if your Social Security and
(15:37):
your Medicare account is in New York but your bank
account addresses in Florida, something to get flagged there. But
to a larger point, if you're spending six months in
one state in six months and another, you're going to
want to make sure that your Medicare coverage, whether it's
original Medicare and a supplement or this part C Medicare
(15:57):
advantage plan covers you where you may be. We have
up in New York a lot of snowbirds are called
that spend three months in Florida and enroll in a
Medicare advantage plan. That has a limited network of doctors,
and so there's some issues when they are spending three
months in Florida or elsewhere and have a team of
(16:20):
providers there as well. So we as a team work
with our members on that. And I'll put a shout
out to our agent, Alicia, who does great work in
Queens Brooklyn and Long Island. So she was on the
show in September. But yeah, absolutely, if you're going to
be in Florida most of the time, then you want
to make sure that your Social Security, your Medicare, and
(16:44):
your bank address all have that Florida address, and then
you would enroll in a plan that is offered to
residents of that county in Florida. And we're licensed in
Florida as well, I might add.
Speaker 3 (16:55):
You know, I got to tell you that I was
talking about how important it is who your agent is.
And I'm not sucking up Dan and Chris, I promise you.
But I got to tell you I been doing this
for sixteen years, and you see, I mean, I wish
(17:16):
all my experts for like Dan. He is always on
top of it. I'll probably hear from Dan two or
three times a month, and what that shows me is
that you're going to have an agent who is going
to always be there for you. And I've got to
(17:38):
tell you, everybody's not like that. Some people I hear
from once every three months. But I must compliment Dan,
where you run your company, you're always right on top
of it. And I just want to thank you for that.
And it looks like a lot of the listeners and
viewers want to thank you too.
Speaker 4 (17:56):
Well, that's generous. Thank you. We try to stay in
touch throughout the year with timely information. There's a lot
of proposals and rhetoric in the marketplace right now, but
once we find that something is final, whether it's a
Medicare rule or Part D changes or your Part B premiums.
You know, there's been speculation, for example, as to what
(18:19):
the Part B premium will be next year, the amount
you pay Medicare, well, that's not been announced by CMS,
the Center for Medicare and Services. Once we know that,
we then get that word out and any interpretations of
how that, you know, how that, whatever the issue is.
We try to get the information out so that when
our members get to the annual enrollment period, their questions
(18:41):
are fewer because we're trying to get them armed with
information to make an informed decision for the next year.
Speaker 3 (18:47):
And I've got to tell people, Bob Orr I just
learned this the other day. Just because your policy says something,
say from last year, you've got to check every year
because I just two years ago i got glasses. It
didn't I'm on Humana on the Advantage Gold plan, and
(19:08):
two years ago my glasses didn't cost me anything, not
a dime. I went in for glasses yesterday and I mean,
it's not that much, but it is. It was one
hundred and sixty dollars now, So that's in two years.
So it's really important that you check and see that
(19:29):
your plan is hasn't changed, because they do. They change.
Speaker 4 (19:35):
Well, if I may, Steve, let mean, the most important
thing we're seeing in the twenty twenty six and what
we're encouraging all members to do is double check that
drug formulary. That's where the big changes are for twenty
twenty six. Formularies are changing, Deductibles are changing, the medications
in the formulary, their tier levels are changing. That's where
(19:56):
we're finding the greatest change. We encourage everybody to double
check that before or they stay with or changing their plan.
Speaker 5 (20:02):
And go to Dan's point, that was one thing I
drove home to my client base is between September thirtieth
and October second, you're going to be getting your annual
notice of change. Please just don't throw it into pile
with the Women's Day magazine.
Speaker 3 (20:19):
You have to read it.
Speaker 5 (20:20):
If you have any questions, give us a call. We'll
go through it line by line because to your point, Steve,
it's very important to know what's changing for twenty twenty
six and not be blindsided.
Speaker 3 (20:31):
Right. Well, we've got a minute left for the people
who are listening on radio, on iHeart, Spotify, tell people
how they can reach you.
Speaker 4 (20:42):
So we have a website full of information that covers
New York state www dot DG Alcorn that's alco r
N dot com or our office numbers five one eight,
three four six two one one five. Our receptions will
be glad to put you in touch with an agent
servicing your community, even get you on his or her
(21:05):
calendar for a no obligation consultation.
Speaker 3 (21:09):
And real quickly, someone just wrote in, do you also
handle health insurance?
Speaker 4 (21:15):
No, we're just focused on the Medicare space. O. Great question, Thank.
Speaker 3 (21:18):
You and listen you guys will be back again with
us next month. Thank you so much. Dan. You're going
to be getting a copy of the show the next
couple of days. We'll see you again next month. Thanks
er much, Steve. But everything work this time, all right,
We're going to go to break. We'll be right back.
Speaker 2 (21:42):
Thanks for tuning in today to the Ask the Expert
Show on the W four c Y Radio and Talk
for TV tue in next week and every week to
hear more from our experts on personal injury, insurance, air
condition repairs, estate planning, medicare, and many other topics the
areas of legal, health, financial and home improvement. See you
(22:05):
next week.
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