Ben Washington, Medicare Insurance Broker
Ben Washington
Comradery Health Agency LLC
Medicare Broker Licensed in WI, FL, IL, MN, SC and TX
Contact Details
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Serving
Racine, WI
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Phone
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Website
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About Me
I am the principal agent of Comradery Health Agency. I have been an insurance broker for eleven years. I am appointed to represent 22 Medicare Advantage Organization and over 20 Medicare Supplemental Companies. I believe when life happens that you should not have to worry about the monetary impact when life happens, but concentrate on the recovery that is why carry other insurance as well (life, Health, Dental, Vision, Cancer, Critical Illness, LTC and STC Insurance)
Q&A with Ben Washington
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The biggest mistake seniors make when enrolling in Medicare is not understanding their Medicare options. What difference between original Medicare and Medicare Advantage plans. Also enrolling into Medicare Part B (paying a premium for part B) when they still have coverage through their company or through their spouse.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: I had client paying out over 3,000 for premium for a Medicare Supplemental plan but was not sure about getting into a Medicare Advantage Plan. I explain to the client that even though he has had a Medicare supplemental plan for over ten years. He still has a one-year trial period to enroll in a Medicare Advantage plan and get back into Medicare Supplemental plan without having to answer any medical questions. (Called guarantee issued right)
What imbalance exists in prescription drug spending, and how has it impacted overall costs?
Answer: In 2025 there is an imbalance exists in prescription drug spending, because it uses to be four cost stages on a drug plan now it is only three cost stages. The deductible, initial coverage and catastrophic which comes when over 2000 has been spent on drug by client and plan. This means the client pay 0 dollars for rest of year which should be less than previous years.
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: If you are turning 65 next month; You should go to SSA.gov website, learn and sign up for part A and enroll in Part B or go to your Social Security office. if you getting Social Security you should by automatically enrolled in Medicare part A/B unless you opt-out of part B.
How can I avoid or reduce IRMAA charges on my Medicare premiums?
Answer: you avoid or reduce IRMAA charges on my Medicare premiums? By lowering your taxable in prior to taking medicare two years before 65 or submit Monthly Adjustment Amount form (life-changing event)