Alexander Spalding, Medicare Insurance Broker
Alexander Spalding
Gateway Retirement Solutions
Medicare Broker Licensed in NC, FL, SC, TN and VA
3+ Years of Experience
Contact Details
-
Location
Hendersonville, NC
Alexander Can Help With:
About Me
I’m a local, independent Medicare agent serving North and South Carolina. I started working in the insurance and retirement space in 2023 after seeing firsthand how confusing — and frustrating — Medicare decisions can be for people trying to do the right thing.
My approach is simple: education first, pressure never. I take the time to explain how Medicare actually works, compare plans side-by-side, and help clients choose coverage that fits their doctors, prescriptions, and budget — not a one-size-fits-all solution.
Because I’m independent, I’m able to work with multiple Medicare Advantage, Medicare Supplement, and Part D carriers. That means my focus stays on what’s best for you, not pushing a specific company or plan.
Whether you’re new to Medicare, reviewing your current coverage, or just want a second opinion, I’m here as a local resource you can trust — now and in the years ahead.
Directions to My Office
Q&A with Alexander Spalding
I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?
Answer: Not a mistake, but it may be time to explore options to save money. Changing Medigap companies or plans may be an option, or explore other insurance solutions that may be more affordable.
I'm turning 65 in three months but still working with employer coverage. Do I need to sign up for Medicare right now or can I wait?
Answer: Technically, no. If you want to avoid a penalty, maybe! Is your employer coverage considered “creditable”? Are you contributing to an HSA? How does your employer coverage compare to options with Medicare?
How do Social Security and Medicare work together for people with disabilities?
Answer: If someone qualifies for Social Security Disability (SSDI), they may automatically become eligible for Medicare after receiving disability benefits for 24 months. Once Medicare starts, they typically get Part A and Part B, and can also choose a Medicare Advantage plan or Part D drug coverage just like someone turning 65.
I start Medicare in 2026 and a one-time 401(k) withdrawal in 2024 placed me in the second IRMAA tier for part of that year. When should I file Form SSA-44 so my 2027 premium returns to the lowest tier?
Answer: You generally want to file SSA-44 form as soon as Social Security notifies you of the IRMAA determination. Medicare uses your tax return from two years prior (so 2024 income affects 2026 premiums). If the higher income was a one-time event and your current income is now lower, you can submit SSA-44 right away with an estimate of your reduced income so they can adjust future premiums.
If your 2024 tax return is already filed, include it to support the request so your 2027 premiums can reflect the lower tier.
I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?
Answer: A change in your health doesn’t usually affect your current Medicare plan right away, but it may change what coverage makes the most sense for you going forward. If you now need different doctors, medications, or more frequent care, it’s a good idea to review your plan’s network, drug coverage, and costs to make sure it still fits your needs.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can be confusing, and the wrong choice can cost you money or limit your care. A Medicare agent helps simplify your options and make sure your coverage actually fits you — your doctors, prescriptions, and budget.
An independent, local agent can compare multiple plans (instead of just one company), explain things in plain language, and help you avoid surprises. Just as important, you have a real person to call if questions or issues come up later — not a call center.
Best of all, working with a Medicare agent doesn’t cost you anything extra. You get guidance, support, and yearly reviews so your coverage keeps working for you as your needs change.