Amanda Copeland, Medicare Insurance Broker
Amanda Copeland
Independent Agent with UBG & Spark
Medicare Broker Licensed in CO, AL, AR, AZ, CA, CT, DE, FL, GA, HI, IA, ID, IN, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, TX, UT, VA, WI, WV and WY
5+ Years of Experience
Contact Details
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Location
Colorado Springs, CO
About Me
From the wide-open spaces of Texas to the majestic Rockies of Colorado, I've cultivated my passion for helping people navigate the complexities of Medicare Health plans and Supplemental insurances. For over four years, I've specialized in finding the perfect fit for my clients, whether that's Medicare Advantage, Medigap or Supplemental insurance plans, always aiming for the best benefits at the lowest cost. I thrive on demystifying the healthcare maze, uncovering medication savings, and unlocking subsidy programs. There's no greater reward than hearing how I've made a tangible difference in someone's life. When I'm not empowering clients, you'll find me exploring Colorado's vibrant culinary scene or diving into the latest healthcare news.
Directions to My Office
Q&A with Amanda Copeland
I'm worried about choosing the wrong plan and being stuck with it. How often can I change my Medicare coverage?
Answer: Typically, you can only change your Medicare Advantage plan during Medicare's Annual Enrollment Period, Oct. 15th - Dec. 7th, every year. You may have additional opportunities throughout the year to switch to another plan if you have a qualifying Special Enrollment Period (SEP) like moving out of the existing plan's service area.
Does Medicare cover medical marijuana if it's prescribed for chronic pain or cancer?
Answer: It's a question I see often, "Is medical marijuana covered by Medicare Part D, or even as a Part B specialty drug, if prescribed for chronic pain, cancer or similarly qualifying condition?" While it may be legal in many states, federal law still classifies marijuana as a Schedule 1 controlled substance. That means it isn't a prescription Medicare would be able to cover, with the exception of select FDA approved cannabis-derived medications prescribed by a doctor for select medical uses.
Are there plans that allow me to continue to travel anywhere and be covered?
Answer: While coverage outside of the United States is limited, there are plans that allow you to continue to travel anywhere within the U.S. and still be covered. A Medicare Supplement plan, or Standard Medigap plan, doesn't have it's own restricted provider network and allows for you to see any doctor that accepts Original Medicare, no referral required. A Medicare Advantage plan, or Part C plan, typically has a restricted provider network, and may allow you to use in or out-of-network providers without a referral (PPO) or may require you to stay in-network for covered services and require referrals (HMO). While a Medicare Advantage plan may seem like the lesser option in terms of travel flexibility, it is always a good idea to check a Medicare Advantage plan's Evidence of Coverage documents for included 'visitor' or 'travel' benefits. Many major insurance carriers now offer with their PPO plans a supplemental benefit or 'visitor' or 'travel' program that is available within the United States that will allow you to stay enrolled in the plan when you’re in the visitor/travel area and outside of the plan’s service area for a specified amount of time. Under the visitor/travel program or benefit, you can typically get all plan‑covered services at in‑network cost sharing when you see a network provider. In most cases, when you receive non‑urgent/non‑emergency care from an out‑of‑network provider (a provider who is outside of your Medicare insurance plan's network), your share of the costs for your covered services may be higher.