Alison Hummel, Medicare Insurance Agent
Alison Hummel
Aktivated Health
Medicare Agent Licensed in NJ and PA
Contact Details
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Location
Evesham, NJ
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Phone
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Website
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LinkedIn
Alison Can Help With:
About Me
Alison Hummel has been a licensed insurance professional for over 16 years. She has spent those years supporting Medicare beneficiaries and brokers. She is committed to bringing old school customer service back to all of her clients. No question is too simple or too complicated!
Q&A with Alison Hummel
What do you enjoy most about working with Medicare clients?
Answer: I enjoy helping my clients find a plan that has all their prescriptions included, doctors and hospitals in network, at the lowest cost with the highest star rating. I like to learn about my clients as well so I can understand what's important to them!
How do you educate clients who are completely new to Medicare?
Answer: I help clients who are completely new to Medicare by first having a conversation about Medicare. It's just so I can get to know the client, when they are enrolling and what they need to know.
Then we take it to the next step which is to have them fill out a scope of appointment form (basically similar to a release form) so we can speak specifically about plan benefits and enrollment periods. I can send this over text or email and its really easy to fill out.
They can include their doctors, hospitals and prescriptions on the form and then I can identify the plans that best meet their needs before we get onto the next call.
The process is usually two calls but sometimes it takes three if the person needs some extra time. I also have content on my instagram page @aktivatedhealth
What's the projected impact of an aging population on Medicare Part A hospital funds?
Answer: This is such an interesting question, and one I think many people might be asking themselves...but not in this way. Maybe you have read a headline or spoken to friends about "Medicare running out of money," if so, I will address my thoughts on this.
Medicare Part A is your hospital insurance and, often times, this is one of the biggest costs people may experience in healthcare (aside from ongoing care to treat complex illnesses, which can accompany hospital stays)...so this cost is felt across the board from Medicare beneficiaries like you, and within the hospital systems where you access care.
As we've seen the baby boomer generation age into Medicare, we've seen some major shifts in how people access their healthcare benefits (switching from group health insurance over to Medicare) and with that...over time, your generation will likely live longer but with the added risk of multiple health issues as you age.
With that in mind, it will be important to monitor costs, premiums, networks and ancillary coverages like hospital indemnity policies to help manage those costs if and when they do increase. If you follow me on my socials (@aktivatedhealth), you know I am a huge advocate for healthy living and wellness planning.
I think with the right wellness plan, the right insurance plan and a trusted broker to review your benefits...this "problem" can be easily solved and you can rest easy knowing you're covered no matter what happens.
I look forward to working with you!
-Alison
I live in a rural area with limited specialists and am interested in telehealth options. How does Medicare cover virtual visits for someone in my location?
Answer: Original Medicare does cover telehealth visits and I will cut and paste information regarding telehealth visits as it relates to original Medicare here
However…
I want to bring to your attention the importance of comparing original Medicare, Medicare Supplement or Medigap and then Medicare Advantage plans, if you live in a rural area and need to access telehealth options.
Original Medicare, as mentioned above, does include telehealth, however it is limited in its scope, therefore because Medigap or Medicare Supplements simply work WITH Original Medicare…Medicare supplements or Medigap policies are also limited in their scope.
You can think about Medigap or Medicare Supplement and original Medicare like puzzle pieces. They work together, so if original Medicare cover something, Medicare supplement is required to come in and pick up what original Medicare does not cover at whatever benefit level you have on your plan.
Medicare advantage plans, however, provide enhanced benefits for telehealth so…oddly…if you’re living in a rural area, a Medicare advantage plan may offer you more options for telehealth that you would otherwise not have access to if you were simply on original Medicare and Medigap.
The reason I say “oddly” is because Medigap and original Medicare are often said to give you the most freedom and flexibility however, where you live and the network access that you have has a larger impact on the concept of freedom and flexibility as it relates to telehealth in this case.
This is why it’s so important to work with a broker because your broker can take a look at, not only, what is the “best option” for most people, but what really is the “best option for you.”
I hope you guys are having a great experience with your Medicare broker and if you’re not simply reach out!
Does Medicare cover nutrition counseling for high cholesterol?
Answer: Yes it does.
It covers it through a program called Medicare Nutritional Therapy Services.
Medicare Part B (Medical Insurance) covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
If you have diabetes or kidney disease, or you’ve had a kidney transplant in the last 36 months, you qualify got this service and a doctor must refer you for services.