COVID-19 Medicare Scam Alert

Have you received robocalls, text messages, or emails offering free face masks? Or maybe you’ve seen social media posts about free COVID-19 testing kits, “cures,” or protective equipment?

Unfortunately, scammers are using the COVID-19 pandemic to try to steal your Medicare Number and personal information.

If anyone reaches out to get your Medicare Number or personal information in exchange for something, you can bet it’s a scam.

If someone calls you promising things in exchange for your Medicare Number, ...

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Medicare and the Coronavirus

You’ve likely heard about the Coronavirus (officially called “2019-Novel Coronavirus” or “COVID-19”) in the news. While there isn’t a vaccine yet and the immediate health risk remains low, Medicare is still here to help.

Your Medicare Part B (Medical Insurance) covers a test to see if you have Coronavirus. This test is covered when your doctor or a health care provider orders it, if you get the test on or after February 4, 2020. You ...
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How Your Medicare Plan Works When You Travel Out Of State

In this video you will listen to Suzanne explain how different Medicare plans work when you travel outside your state of residence.

Here are the questions that Suzanne answers in this video.

  1. “If I have a Medicare Supplement and I am traveling on vacation (outside of my state), I come down with a cold, and I am worried about it turning into strep throat, I want to get it checked out by a doctor, how would that work with my Medicare supplement?”
  2. “If ...
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[Video 4 of 5] The Biggest Mistakes Made During Medicare Annual Enrollment. What is the Deductible of Your Drug Plan?


Medicare (Part D) Prescription Drug Annual Deductible (Restarts each January)

In this short video, Suzanne McClain of National United Medicare Advisors located in Columbus, Oh, advises those that are choosing a Medicare prescription drug plan during Medicare open enrollment.

Suzanne points out how important it is to check and see if your prescription drug plan has a deductible, and provides a reminder that the annual deductible start over on January first each year.

The information about your ...

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[Video 3 of 5] The Biggest Mistakes Made During Medicare’s Annual Enrollment


The Biggest Mistakes Made During Medicare’s Annual Enrollment

Watch [Video 1 of 5] Here

Watch [Video 2 of 5] Here

In this video, Suzanne explains how something as small as checking your plan’s preferred pharmacy can save you hundreds of dollars a year.


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[Video 2 of 5] The Biggest Mistakes Made During Medicare’s Annual Enrollment



Watch video [1 of 5] here

In this video, Suzanne explains how a drug tier change can cause a co-pay to increase.
The example in this video shows how one client had a tier change on their formulary that caused their co-pay to increase from $8 to $48.
Suzanne emphasizes the importance of checking your prescription drug formulary during Medicare Annual Enrollment to make sure your drug tiers have not changed.

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Biggest Mistakes People Make During Medicare Annual Enrollment 1 of 5



[Video Transcript]

Hi, Suzanne McClain here. Today we’re going to talk about one of the biggest mistakes people make when choosing a Medicare Part D plan, the prescription drug plan.

One of the mistakes that I have seen is, clients are already on a part D plan, and they’d really don’t like change. So they may or may not check to see if their prescription drugs are still on the formulary or are covered ...

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[2017 Medicare AEP] When does the 2017 Annual Enrollment Period for Medicare begin and end?

In this short video, Suzanne McClain explains the three most important dates to remember during AEP.

  • “If you’re in a Medicare plan, your plan will send you a “Plan Annual Notice of Change” (ANOC) each fall. The ANOC includes any changes in coverage, costs, or service area that will be effective in January”  according to this ANOC will be sent to you by October 1st, so you can start evaluating your plan before AEP begins.
  • October 15th ...
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Best Vision Insurance for Medicare Beneficiaries [Step-by-Step Video]

Link to Dental Video –

Link to site to get Dental and Vision Quote –

In this Youtube video, Suzanne McClain of National United Medicare Advisors, located in Westerville Ohio, explains how to sign up for vision insurance, step-by-step.

Those that have Medicare find that Medicare covers a very small portion of necessary vision needs for the average Medicare recipient, see what Vision benefits that Medicare covers here at
Suzanne recommends ...

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Gallup Poll: “Not having enough money for retirement” is Now the Top Financial Concern Among Americans

Since 2001 Gallup has compiled data from an economically focused survey.  The poll has consisted of seven questions concerning economic and personal finance.

  1. Not being able to pay medical costs of a serious illness/accident
  2. Not being able to maintain the standard of living you enjoy
  3. Not having enough to pay your normal monthly bills
  4. Not having enough money for retirement
  5. Not being able to pay medical costs for normal healthcare
  6. Not being able to pay your rent, mortgage or other housing costs
  7. Not being able to make ...
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What Dental Plan is Recommended for those on Medicare? (With No waiting period)


Here is the link to view the dental plans shown in the video

Finally! I found a dental plan that I feel great about recommending to my Medicare clients.  The one benefit that I am most excited about is that you can enroll today and go the the dentist tomorrow and start ...

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What is Medicare Part C (Advantage Plan)?

Suzanne K. McClain of National United Medicare Advisors, explains what Medicare Part C is and how it works.  Part C is also known as the advantage plan.
Part C combines Medicare A, B and D into one plan, when you visit your doctor, go to the hospital or pick up your prescription drugs you will only show your advantage plan card.

You can view here to see how they explain Part C the ...

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How Does Medicare Part B Work and What is the Deductible?

Medicare Part B covers many outpatient services.  Medicare put these covered services into two categories, Medically necessary and preventative. According to, Medically necessary services or supplies are those needed to treat or diagnose a medical condition.

Preventative services are considered Health care to prevent illness such as the flu, or detect early onset of disease.


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How does Medicare Part A and the Deductible Work?

Suzanne explains how Medicare Part A works in this short video.  She shows how Part A covers inpatient care such as hospitals and rehabilitation facilities.

Suzanne also spells out the following Part A deductible.

  • $1,316 deductible for each benefit period.
  • Days 1–60: $0 coinsurance for each benefit period.
  • Days 61–90: $329 coinsurance per day of each benefit period.
  • Days 91 and beyond: $658 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime)

For in-depth information ...

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How Does a Medicare Supplement Work vs a Medicare Advantage Plan?

Medicare supplement policy versus Medicare Advantage.  Medicare part A which is your hospitalization.  Medicare Part B is outpatient, so your doctor visit, blood work, CAT scan, x-rays anything outpatient. Your premium for the part B is $134 in 2017, sometimes those numbers are different based on what your taxable income is for the previous year.

Your part A and part B of Medicare it’s kind of like a piece of Swiss cheese, you have a lot of coverage, but there still ...

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National United Medicare Advisors, Muirfield Memorial Tournament iPad Drawing

Thanks to everyone that stopped by my table at the Ameriprise tent at Muirfield. We had a great time meeting new people and reconnecting with others.  If you have any questions regarding Medicare please feel free to reach out to me.  If you are not signed up for my weekly Q&A video then be sure to add your email so you never miss a video.

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What is the Medicare Part B IRMAA (Income Related Monthly Adjustment Amount)?

Suzanne McClain explains what the IRMAA (Income Related Monthly Adjustment Amount) is and how it affects your Medicare Part B premium.  In this video, she shows where to go online to view the sliding scale that calculates the premium.  You will also hear her explain how to appeal the IRMAA (Income Related Monthly Adjustment Amount), if you have had a life event that triggered it.

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