Angela Schubkegel, Medicare Insurance Broker
Angela Schubkegel
Bridlewood Insurance
Medicare Broker Licensed in IA, NE, SD and WI
Contact Details
-
Location
Burlington, WI
-
Phone
-
Website
-
LinkedIn
-
Facebook
About Me
I am a Licensed Independent Insurance Agent / Broker with Bridlewood Insurance specializing in Medicare. I am active in my community and church, and a proud supporter of Wounded Warriors, who support Veterans in living healthy lives. As an Independent licensed insurance agent I also enjoy helping individuals choose a Marketplace, Individual, or Medicare plan that best suits their needs. Whether it’s for someone who is self employed, retiring, on disability, or turning 65, I am able to assist at no cost to the individual. Please call today! .
Please note:
“We do not offer every plan available in your area. Currently we represent 5 organizations which offer 42 different products in your area. Please contact Medicare.gov or 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.”
Q&A with Angela Schubkegel
An agent asked me to sign a scope of appointment for before we could discuss my Medicare insurance or part D plan. What is an SOA? Is this normal? Are call centers exempt from this practice?
Answer: This is a requirement that is put in place by Medicare. Without the scope of appointment the agent could be disciplined or lose their license. The scope of appointment helps narrow down what the client wants to talk about and prevents agents from selling plans to people that are not interested in it. It gives agents proof to provide to Medicare.
Does Medicare cover the cost of blood thinners?
Answer: Part d drug plans which can be standalone or included in Medicare Advantage plan, do cover blood thinners. All of the plans are required to cover the different types of medications. They have different formularies and so one type or brand of blood thinner may not be covered by another part d or Advantage plan. It is always good to research ahead prior to switching plans.
My mom is considering switching to a Medicare Advantage plan because her friends say it's better. She's scared of losing her current doctors. How can we check?
Answer: You are able to check your doctors networks on medicare.gov or by calling a Medicare broker help you find doctors that are in network. There is always a risk of them changing their contract with Medicare Advantage plans. You should look for plans that are large and have a consistent track record with your current medical system.
Are there any tax benefits tied to paying Medicare premiums as a retiree?
Answer: We are not considered tax advisors so I would need to refer you to a professional tax advisor for this answer.
I tried calling Medicare and got transferred five times. Is there any way to get straight answers from them?
Answer: I would suggest calling a seasoned broker and narrowing down your questions so the Medicare service representative has the most details needed to answer your question. Certain situations are very unique and can be difficult to find answers for.
What do you like most about being a Medicare agent?
Answer: I enjoy being a Medicare agent because of the flexible schedule and the ability to help others. I enjoyed meeting new people and helping them learn about all their options.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: At this time and in certain locations there are options for Medicare Advantage plans that do offer zero premium and zero deductible in 2026. For those plans you will have co-pays for certain services. They also offer max out of pockets for the medical services covered by medicare.
Do I have to apply for Medicare if I am still working past 65?
Answer: It depends. If your employer has more than 20 employees and they are offering group help coverage, you don't need to apply for Medicare part A and B. Some people do however apply for Medicare part A because it's free and then you have extra coverage. If you have an employer that has less than 20 employees, then you would need to apply for both Medicare part A and B. The reason is that you need part D creditable coverage and group Health offers that.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare agents, especially brokers, have access to multiple plans and may have a comparison guide or evidence of coverage they can share with you. It's streamlines the process and helps educate clients on their options. Everyone's situation is unique and what may be good for your neighbor may not be good for you.
Are there plans that allow me to continue to travel anywhere and be covered?
Answer: Yes, supplement plans work alongside Medicare which has coverage with 93% of doctors in the United states. Advantage plans usually have nationwide networks where you can travel and find care outside of your location.