Beverlyn Everage, Medicare Insurance Agent
Beverlyn Everage
kare1 life llc
Medicare Agent Licensed in GA, OH and TX
Contact Details
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Location
Marietta, GA
Beverlyn Can Help With:
About Me
Hello! I'm Beverlyn, 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 Beverlyn Everage
Do I have to apply for Medicare if I am still working past 65?
Answer: You don’t have to apply for Medicare at 65 if:
You have creditable health coverage through your employer or your spouse’s employer, and
The employer has 20 or more employees.
In this case, you can delay Medicare Part B and Part D without penalty and enroll later through a Special Enrollment Period (SEP) when your employment or coverage ends.
What do you like most about being a Medicare agent?
Answer: You don’t have to apply for Medicare at 65 if:
You have creditable health coverage through your employer or your spouse’s employer, and
The employer has 20 or more employees.
In this case, you can delay Medicare Part B and Part D without penalty and enroll later through a Special Enrollment Period (SEP) when your employment or coverage ends.
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: 1. Fewer Plans Available
Rural areas often have fewer insurers offering Medicare Advantage plans compared to urban or suburban locations.
Some counties may have only one or two MA plans available—or in rare cases, none at all.
2. Limited Provider Networks
MA plans are network-based (e.g., HMO, PPO), so even if a plan is available, the local provider network may be small.
Can I get a Medigap plan with Guaranteed Issue if I'm losing my employer coverage?
Answer: When Guaranteed Issue Applies:
If you’re:
Age 65 or older, and
Losing group health insurance (from an employer or union, including COBRA),
you typically qualify for a 63-day Guaranteed Issue period starting the day your coverage ends.
I'm taking a brand-name medication that doesn't have a generic version. How can I find a Medicare Part D plan that will cover it at a reasonable cost?
Answer: tep-by-Step Guide:
1. Go to Medicare.gov Plan Finder
Enter your ZIP code.
Choose "Drug plan (Part D)" or “Medicare Advantage with drug coverage” depending on your needs.
2. Enter Your Specific Medication
Type in the exact brand name of the drug.
Be accurate about:
Dosage (e.g., 20mg)
Quantity (e.g., 30 tablets/month)
Frequency (monthly, every 90 days, etc.)
I've been on disability for years and am about to turn 65. Do I automatically get Medicare because I'm on Social Security, or do I need to do something?
Answer: At 65, Your Status Changes Slightly:
You will no longer be on Medicare due to disability—you’ll now have Medicare due to age, which may affect:
Medigap eligibility (more options become available)
Plan costs or availability, especially in your state
What is the main benefit of Medicare Part D?
Answer: Key Benefits of Part D:
Reduces Out-of-Pocket Drug Costs
Helps you afford essential medications by covering a portion of the cost.
Includes protection against very high drug expenses through catastrophic coverage.
Access to a Wide Range of Medications
Each plan has a formulary (list of covered drugs), often with multiple medication options across therapeutic categories.
Can Be Paired with Original Medicare (Parts A & B)
Ensures you have comprehensive health coverage, including hospital, medical, and prescription drug needs.
Offers Nationwide Availability
Private insurance companies offer multiple plan options in every region, allowing you to choose a plan that fits your needs and budget.
Penalty Protection
Enrolling when you're first eligible avoids a late enrollment penalty, which can add to your monthly premium permanently if you delay.
Can I change my Supplemental/Medigap plan at any time?
Answer: es — You Can Apply Anytime
There’s no annual enrollment period for Medigap like there is for Medicare Advantage or Part D. You can apply to switch plans any time during the year.