Abigail Turner, Medicare Insurance Broker
Abigail Turner
Inspired Advisors
Medicare Broker Licensed in KS, AZ, KY, MO, NC, NE, NM, OK, PA, VA and WA
Contact Details
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Location
Wichita, KS
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About Me
Abigail has been working in the insurance industry for over eight years. After several years in the non-profit sector, her passion to help people followed her to insurance and more specifically, Medicare. She loves educating clients and referral partners on Medicare and the options available to those who are eligible. As an independent advisor, she has access to nearly every company offering coverage and ensures clients are in the right plan for them, based on their unique needs and wants.
She is married to her best friend, Jake, and they own and run Inspired Advisors together.
Q&A with Abigail Turner
What do you like most about being a Medicare agent?
Answer: I love helping people but more specifically, I'd have to say I love clearing up mis-information and providing solid education. Medicare is actually a pretty simple program but it has been made out to be complicated and confusing and I love breaking it down for clients, helping them understand it in a way that they feel confident to make a decision for their themselves.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Nothing worthwhile is free and that certainly goes for your insurance. In the world of Medicare, $0 premium does NOT mean free. There are going to be costs for services received while on a Medicare Advantage plan. However, the $0 premium does mean you will only pay for services when you need them, as you need them, and not automatically every month.
As a general rule, if it's marketing, proceed with caution! An independent agent can help you see through the "noise" of marketing and get to the real info that matters.
Will my Medicare plan work when traveling to Europe?
Answer: This is going to vary and be dependent on what plan you have. Original Medicare is not an international health insurance program so the coverage available internationally will be based on your Medicare plan.
Several Medicare Supplement (Medigap) plans (specifically Plans C, D, F, G, M, and N) offer 80% "foreign travel emergency" coverage, subject to plan limits.
Many Medicare Advantage plan companies also offer some international coverage. In general, Emergency Room and Urgent Care is covered by some companies and may or may not have a copay associated. At least one other company also covers ground ambulance transportation internationally for a copay.
Checking with your broker/agent or going through your plan's full Explanation of Benefits documentation will give you the coverage available with your specific plan.
I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium instead?
Answer: This is definitely going to depend on the type of Medicare plan you've chosen and frequency of doctor visits. With Medicare supplement (also known as Medigap) plans, typically the higher the premium payment means greater coverage from plan letter to plan letter (such as Plan N costs more AND covers more than Plan A but Plan G costs more AND covers more than Plan N). So price can certainly determine coverage.
With a Medicare Advantage plan, many are $0 premium per month but you WILL be billed or charged copays for any services rendered or doctor visits made.