Barb Koch, Medicare Insurance Agent
Barb Koch
Medicare Agent Licensed in MO
Contact Details
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Location
O'Fallon, MO
Barb Can Help With:
About Me
Hello! I'm Barb, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Barb Koch
Why did my Medicare deductible reset in January?
Answer: Your Medicare deductible reset in January because it works on a calendar year basis- January 1 till December 31st. Nothing will carry over at this time. This will include your prescription drugs as well.
to get more questions answered like these please don't hesitate to reach out
Barb Koch
What is the Medicare Advantage 3 midnight rule?
Answer: You need to have a medically necessary inpatient hospital stay of three consecutive midnights before Medicare Part A will cover services in a Skilled Nursing Facility.
If you need more information please don't hesitate to reach out :)
I applied for a Medigap plan and got denied because of my health history-how is that even legal when I've paid into Medicare for years?
Answer: It might depend on the timing of when you are trying to apply for Medigap. There is a timeline when you can apply without getting denied. Contact a trusted Broker to go over what you need and what is available.
I'm worried about choosing the wrong plan and being stuck with it. How often can I change my Medicare coverage?
Answer: Understandable why you would feel being stuck with a Medicare plan. My suggest would be to call a trusted Broker, who can review options that would fit your needs best. To answer your question, if you are in the correct plan there should not be a need to change coverage.
What happens if I delay Medicare Part A enrollment because I'm still on my spouse's employer plan?
Answer: That would depend on what your spouse employers plan, meaning is he with a group that has less than 20 employees? I would suggest getting in touch with a trusted Broker to ask questions to see what your options are.
So with all these 2025 Medicare changes, should I be switching plans or staying put?
Answer: That is a great question at this time with all the information coming out. Depending on what your needs are would determine which plan would best fit your needs. We are not allowed to discuss plans until AEP October 1st for the 2026 year. Feel free to contact a trusted broker for more information :)
What's the biggest mistake seniors make when choosing a Medicare Part D plan?
Answer: One of the biggest mistakes is not checking to see if the drugs are in the carrier's formulary and what the cost will be. Never assume all carriers offer the same benefits. Talking to a trusted Broker who care about their clients and goes over details will help save money down the road.
What are the reasons why I should work with a Medicare agent?
Answer: Finding a Medicare Broker to educate and help explain the complexity of health insurance would help take the stress and confusion off your plate. Be sure to talk to someone that is willing to listen to you and find a plan that fits your needs.
When can I change my Medicare Advantage Plan?
Answer: Hello,
Open enrollment for 2026 begins October 15th and runs through December 7th.
Feel free to contact to discuss plan options :)