Arthur Kempton, III, USAF Retired, Medicare Insurance Broker
Arthur Kempton, III, USAF Retired
Kempton Financial Grp, LLC
Medicare Broker Licensed in FL, IL, MO and RI
20+ Years of Experience
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Land O Lakes, FL
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About Me
My mission is to empower you to learn and make informed decisions, and keep the process simple. Furthermore, we provide continuous service and support to all members, acting as a reliable extension of the carrier’s customer service department. The team at KEMPTON FINANCIAL GRP LLC is dedicated to delivering exceptional support and personalized service to every client.
At KEMPTON FINANCIAL GRP LLC, we are proud of our strong partnerships with the insurance carriers and our thorough understanding of the many Medicare plans offered to consumers in Tampa Bay/Florida. Call us today for Free No obligation information.
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My Google Reviews
78 Total Reviews (4.9 )
August 11, 2026
When I was getting ready to fill out the paper work for my medicare a family member Told me to Go see Art Kempton at Kempton Financial Services. It was one of the best thing I ever did . Art filled out the paper work and explained every thing he was doing Art was very professional in every thing he did.Since then I’ve used them several times for other things. I would highly recommend them to other people.
August 2, 2026
Many, many thanks to Art Kempton. I needed to sign up for Medicare and fell under special enrollment rules. I had no experience with Medicare and had difficulty with the SS login site and every other detail. I was so frustrated, but really needed medical, dental, vision, and hearing coverage. It seemed it wasn't going to happen until Art stepped in and did all the tedious work for me. Thank you, Art. I wish everyone could have you as their personal representative!
August 1, 2026
Art did a great job for us!
July 31, 2026
Art did a wonderful job!
July 23, 2026
Art K has been extremely helpful and is always available to answer questions and assist in my needs. He is a great agent. Thank you.
Q&A with Arthur Kempton, III, USAF Retired
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: "How will my total out‑of‑pocket costs (premiums, deductibles, copays, coinsurance, drug costs, and unexpected services) change over the next 3–5 years under the specific Medicare options I'm considering?"
Why ask it: this aggregates the many small decisions (Original Medicare vs. Medicare Advantage, Medigap, Part D plan choice, provider networks, and catastrophic risk) into a forward‑looking financial view so you can choose coverage that fits both current and likely future needs.
What are disadvantages of PPO?
Answer: You utilize Out-of-Network providers but will pay higher copays or coinsurance. Your maximum out-of-pocket is also increased.
The copays and maximum out-of-pocket costs are always more than a HMO.
You do not need referrals from your Primary Care Physician to see a specialist. More plan flexibility than HMO's.
I'm interested in nutrition counseling to help manage my diabetes. Will Medicare cover this as preventive care?
Answer: Yes. Original Medicare (Part B) covers Medical Nutrition Therapy (MNT) and diabetes self‑management services provided by a qualified nutrition professional when ordered by your treating physician or qualified practitioner.
Key points:
Covered services: MNT for diabetes (and kidney disease) and Diabetes Self‑Management Training (DSMT) when delivered by Medicare‑approved providers (typically a registered dietitian/nutritionist or other qualified clinician).
Time limits: Medicare generally pays for up to 3 hours of MNT the first year and up to 2 hours each subsequent year. Additional hours may be covered if your condition changes.
Cost sharing: Part B typically pays 80% of the Medicare‑approved amount after you meet the Part B deductible; you’re responsible for the remaining 20% and any applicable plan copay unless the provider accepts assignment or you have supplemental coverage (Medigap) or Medicare Advantage that covers more.
How to get it: Ask your physician to order/refer you for MNT/DSMT, then confirm the dietitian/RDN accepts Medicare (or is in your Medicare Advantage network) before scheduling.
Medicare Advantage: Plans may offer broader or different coverage—check your plan for specifics and prior‑authorization rules.
I'm turning 65 soon, when can I enroll in Medicare?
Answer: You get a 7-month Initial Enrollment Period (IEP) around your 65th birthday:
- The IEP = 3 months before the month you turn 65, the month you turn 65, and 3 months after.
- Example: if your 65th birthday is June 15, your IEP is March–September; coverage elected during the IEP generally starts the month you turn 65 (or the month after, depending on when you enroll).
Special rules:
- If you are born on the first day of a month, your Medicare entitlement usually starts the first day of the month before your birthday month, and your IEP timing follows that rule.
- If you already receive Social Security retirement benefits at least 4 months before turning 65, you’ll be auto‑enrolled in Part A and Part B (you’ll get your Medicare card in the mail).
- If you’re still working and have employer group health coverage through your or your spouse’s current employer, you can delay Part B without penalty and sign up during a Special Enrollment Period (SEP) — generally anytime you’re covered by the employer plan and up to 8 months after that coverage ends.
Other enrollment options:
- General Enrollment Period: Jan 1–Mar 31 each year (coverage begins July 1) if you miss your IEP and don’t qualify for an SEP.
- Part D (prescription) and Medicare Advantage plans also must be elected during your IEP (or other qualifying period) to avoid penalties.
How to enroll:
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Does IRMAA reset every year, or does it stay the same once you're assessed?
Answer: Short answer: No — IRMAA doesn’t automatically “reset” each year, but it is recalculated annually based on your modified adjusted gross income (MAGI) from your tax return two years earlier.
Key points:
SSA uses your MAGI from IRS tax year X (generally two years before the benefit year) to set Part B/D premiums for year X+2.
You’ll be notified (usually in October) of any IRMAA for the upcoming year; new premiums take effect in January.
If your income changed since that tax year because of a qualifying life-changing event (e.g., marriage, divorce, widowing, death of a spouse, loss of pension, reduction in work, settlement), you can request a reconsideration (appeal) with documentation.
If your current-year tax return shows a lower MAGI, the SSA will use that for future recalculations (again on the two-year lag).
Example - a 2024 MAGI of $275,000 for a married couple filing jointly will almost certainly trigger IRMAA for Medicare Part B and Part D in 2026 (SSA uses your 2024 tax return to set 2026 premiums).
Next steps:
- Expect an SSA IRMAA notice (usually mailed in October before the benefit year) showing the surcharge amount and new premiums.
- If your income has dropped since 2024 because of a qualifying life-changing event (marriage, divorce, death of a spouse, loss of pension, work reduction, settlement, etc.), file an appeal/reconsideration using SSA Form SSA‑44 (Request for Reconsideration) and include supporting documentation.
- If no life‑changing event, you can wait for the notice and pay the higher premiums for 2026; the SSA will recalculate automatically when they can use a later tax year showing lower MAGI.
What tier is Repatha on Medicare Part D formularies?
Answer: It depends on the Medicare D plan and formulary. Based on my experience, the Repatha Injectable is a Tier 3 Brand medication. Some Part D formularies list Repatha Injectable as a Tier 4.