Andrew Firmin, Medicare Insurance Broker
Andrew Firmin
Benefit Adivisors Group, LLC
Medicare Broker Licensed in MA, CT, DE, FL, GA, MD, ME, NH, NV, NY, OH, RI, SC, TN, TX and VT
8+ Years of Experience
Contact Details
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Location
North Andover, MA
Andrew Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Greetings! I'm Andrew, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Directions to My Office
Q&A with Andrew Firmin
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: What are my current and future healthcare needs, and how will the decisions I make today affect the coverage I might be need in the future. As you think about this, know that Medicare doesn't provide coverage for everything and you may need to consider additional coverage such as: Cancer/Critical Illness, Hospital Indemnity, or Recovery and Homecare coverage. Build your Medicare Planning around protection packages. This is why we say Medicare is the intersection of your healthcare and financial wellness!
My friend says the new Medicare drug payment plan in 2025 will help with her expensive medications. Would it help me too?
Answer: It may. This is a great illustration as to why it is important to check your prescriptions with each plans formulary (list of covered prescriptions). What is a good plan for your friend may not be such a great plan for you. You each likely take different prescriptions and each insurance company and plan covers prescriptions differently. Therefore, it is imperative to run your prescriptions through a tool that can compare your prescription needs with all the available plans in your area. And it is important to check annually during the annual enrollment period.
Why is it helpful to follow up with your parents after discussing Medicare?
Answer: It is important to check in with your parents to make sure their enrollment was completed and completed with the plan they wanted. You should check in to make sure they recieved their insurance cards and documents. That way they (or you..) don't end up at the pharmacy or doctors office without their information. A lot easier to address any issues or concerns early on verse months later.
Sometimes the daily rigors of life can get in the way and submitting an enrollment is a lost in the daily grind. By following up you can ensure an enrollment period has not been missed and your parents are enrolled in the plan they intended to.
Can I enroll in Medicare if I've never paid into Social Security due to working overseas?
Answer: Yes. However, you may have to pay a premium for your Part A coverage if you do not have the full 40 work credits. You should talk with a certified medicare planning advisor to review your particular situation. There may be enrollment period questions or late enrollment penalty situations that you might need to revew.
Isn't it suspicious that Medicare Advantage plans offer gift cards and incentives to enroll?
Answer: I am not aware any insurance plans that offer gift cards and incentives to enroll. Actually that is specifially prohibited by your states Division of Insurance.
I do think much of the advertising around Medicare Advantage plans - highlighting the annicillary benefits offered is a bit misleading. This is why it is important to work with an independent broker who represents multiple insurance companies AND shows you both supplemental (Medigap) plans and Advantage plans. The independent broker can help you understand the pro's and con's of each and help you identify which option is most suitable for your particular option.
An important question to ask anyone helping you is: Are you an independent broker and how many different insurance companies do you represent. And will you show me both Supplemental and Advantage plans. You want a broker who will show you both options and discuss the pros and cons of each. And you want an independent broker who represents multiple insurance companies.