Betsy Mullison, Medicare Insurance Broker
Betsy Mullison
Simply Insurance
Medicare Broker Licensed in CO, AR, AZ, CA, FL, GA, IL, KS, MI, NM, SC, TX, VA and WY
7+ Years of Experience
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Castle Pines, CO
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About Me
Betsy Mullison, the driving force behind Simply Insurance, is on a mission to simplify the daunting process of enrolling in Medicare. With Betsy by your side, the journey becomes not just manageable but downright stress-free.
What sets Betsy apart is her unwavering commitment to her clients. She's not just there for the paperwork; she's there for you, every step of the way and beyond. From the initial enrollment process to navigating any bumps along the road, Betsy sticks with you, ensuring that you're supported and informed throughout your Medicare journey.
But Betsy's story is more than just about insurance—it's about passion, dedication, and community engagement. Her transformation from a teacherr to a trusted advocate in Medicare reflects her deep-seated commitment to making a difference in people's lives.
With Betsy, you're not just another client; you're part of a community. Her genuine care and dedication shine through in everything she does, making her a standout figure not only in healthcare but also in the hearts of those she serves. So, if you're ready for a Medicare experience that's simple, stress-free, and genuinely caring, call Betsy and Simply Insurance.
Q&A with Betsy Mullison
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: When choosing your Medicare coverage, it’s essential to consider how the plan will meet your current and future needs. Understanding enrollment periods and your ability to switch plans is key. Many people mistakenly believe they can switch from a Medicare Advantage plan to a Supplement plan during the Annual Enrollment Period—without realizing that medical underwriting is required for that change.
So, an important question is "Do I understand the Medicare Plan enrollment periods and requirements?
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: A Medicare Advantage PPO plan allows you to see providers outside of the carrier's network. Of course, the trade-off is that the cost of an out-of-network provider is higher. A Medicare Advantage HMO plan requires you to see a provider within the network, except in an emergency. The choice comes down to balancing provider flexibility with cost.
So I heard something about Medicare drug costs being capped at $2,000 in 2025. Is that really happening or just talk?
Answer: Yes, it is true and it is happening.
In 2025, the most that you will pay for your prescriptions is $2000. Once you have paid that amount, then you will pay nothing else for you covered prescriptions for the rest of the year. You do have to continue to pay your premium.
The prescription does need to be on the plans formulary list for it to be counted in the $2000 cap.
In 2026, the capped amount will be $2100.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: If you're still working when you turn 65 and your employer has 20 or more employees, you can usually delay Medicare Part B and Part D without a penalty—as long as your work coverage is credible. (Credible means that the insurance is as good as Medicare as per Medicare standards.)
Most folks go ahead and sign up for Part A since it's premium free, unless they're contributing to an HSA. If you are contributing to an HSA, you should not enroll in Part A until you need it.
But if your employer has fewer than 20 employees, you’ll want to enroll in both Part A and B at 65 because Medicare becomes your primary coverage. Then you can decide to keep your employer plan as secondary, or choose a MediGap or Medicare Advantage plan to supplement your Medicare.