Adam Simon, Medicare Insurance Broker
Adam Simon
Simple Senior Health Plans
Medicare Broker Licensed in MI, AZ, CA, FL, IL, NC, NV, OH, TN and TX
7+ Years of Experience
Contact Details
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Location
Macomb, MI
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Phone
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Website
About Me
With nearly 20 years in the insurance industry, my ultimate passion is making Medicare SIMPLE and stress-free for my clients. Your healthcare journey is as unique as your fingerprint—there’s no such thing as a “one-size-fits-all” solution. I understand how overwhelming and complex this process can feel, and it’s not always easy to know where to turn for trustworthy guidance. That is why my mission is to serve as an advocate first, providing clarity and helping you navigate your options with confidence and peace of mind. Every recommendation that I make will always be rooted in what’s best for you and your unique life stage. With a client-first, service-based approach, I’m here to walk with you every step of the way—from our very first conversation through life after enrollment!
Q&A with Adam Simon
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Everyone’s Medicare “puzzle“ is as unique as their own fingerprint. A lot of well-meaning people i. your life will try to “help” by advising you to simply go with a certain plan or option because it worked for them. However, without a comprehensive analysis done on your personal situation (medications, doctors, needs, etc.) that advice could be very detrimental!
What is one of the the most common misconceptions people have about Medicare?
Answer: When are the most common misconceptions that I hear is people thinking that Medicare covers everything after age 65. However, there are several things that Medicare does not cover that most people want or need to have a plan for. Those include (but aren’t limited to), long-term care, cosmetic surgery, certain things after an auto accident, etc.
How do I appeal a decision by Medicare or my plan if they deny coverage for a procedure or medication I need?
Answer: You call the plan directly and file an appeal. The number will be on the back of your card. Also, if this is a drug plan, you can request a formulary exception if all other options have been exhausted.
I don't understand how my friend pays nothing for their plan and I pay over $200-are these plans just totally random by ZIP code?
Answer: This is something that I hear all the time. Typically, it is because your friend does actually “pay something.” More than likely, they pay their Medicare part B premium out of their Social Security check, which feels like “nothing” because they do not see it. Then, they may have a Medicare advantage plan that has a $0 per month premium. Whereas you more than likely have a Medicare supplement plan where you pay a premium every month out of your checking account. To your friend, it seems as if they “pay nothing” while you are paying a premium every month. The reality is both of you pay a premium for Medicare part B and they have a zero premium Medicare advantage plan and you have a monthly Medicare supplement premium.
In the end, everyone pays something regardless of which type of plan that they have. It all comes down to HOW you want to pay for it.
I hope that helps clear it up!
What's the best way to compare my current Medicare supplement plan to a Medicare advantage plan?
Answer: The best way to compare is to find an independent broker that you trust and whom others trust. Being fully independent allows us to show you most (or all) of the plans in your area and also to compare your current plan to a Medicare Advantage plan. They are very different plans with unique nuances and having a broker that doesn’t cost you anything is a smart way to shop!