Beverly Felchlin, Medicare Insurance Agent
Beverly Felchlin
Affirm Health Solutions LLC
Medicare Agent Licensed in IL, AL, FL, KY, MN, MO, OH, TX and WI
26+ Years of Experience
Contact Details
-
Location
Edwardsville, IL
Beverly Can Help With:
About Me
Affirm Health Solutions is an independent insurance agency specializing in Medicare. With 20+ years experience, we work with all the major Medicare companies so we can offer unbiased personal coverage designed for your healthcare needs. We design plans with a focus on proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
Q&A with Beverly Felchlin
I'm on a supplemental Plan N, and I'm curious if my recent MRI is covered or if I'll get stuck with a big bill.
Answer: Your MRI is likely covered by your plan and supplemental insurance provided it is medically necessary and ordered by a Medicare accepting doctor. You will be responsible for part B deductible. You may also pay a co-pay if it took place in an office visit and if your doctor charges 15% above the Medicare approved amount, you may be responsible for those excess charges.
I'm turning 65 in three months but still working with employer coverage. Do I need to sign up for Medicare right now or can I wait?
Answer: You can usually wait to sign up for Medicare without penalties if you have active health insurance from your employer with 20 or more employees or your spouses employer once the job based coverage ends, you will qualify for a special enrollment. To enroll penalty free. However, whether you should wait depends on specific details about your current employer and your insurance set up.
Are Medicare Supplement plans worth the cost?
Answer: Medicare supplement plans are highly worth it if you can afford the premiums and want to avoid surprise out-of-pocket cost, need total freedom to choose your doctors and dislike dealing with network restrictions or pre-authorizations.
Do most doctors accept Medicare Advantage plans?
Answer: Throughout the US, about 46% of doctors who are contracted with Medicare, accept some Medicare advantage plans; unlike original Medicare, which is accepted by over 90% of physicians. The best way to find out if all your doctors take a specific plan is based on a one-on-one consultation with an independent insurance agent who can help verify and go over your concerns.
Can my employer force me to take Medicare when I turn 65?
Answer: If you work for an employer that have fewer than 20 employees, your employer can require you to enroll in Medicare parts A&B in which case Medicare becomes primary and your employers plan becomes secondary
What are the reasons why I should work with a Medicare agent?
Answer: Working with an independent Medicare agent gives you access to multiple insurance carriers, providing unbiased advice to find a plan that fits your specific doctors, prescriptions, and budget. Focusing on your needs rather than pushing a single carriers agenda.
Does Medicare pay for pulmonary rehab sessions?
Answer: Yes, typically Medicare covers pulmonary rehabilitation under Part B for eligible patients, which may need a referral and a physician to prescribe for the service to be available as well as limits to the maximum sessions and program requirements.