Wild Bill Anderson, Medicare Insurance Broker
Wild Bill Anderson
Medicare Done Right LLC
Medicare Broker Licensed in CA
15+ Years of Experience
Contact Details
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Location
Penn Valley, CA
Wild Bill Can Help With:
About Me
Hello! I'm Wild Bill, 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 Wild Bill Anderson
What are the reasons why I should work with a Medicare agent?
Answer: Why be limited to one companies plans? As a broker with 11 different companies you get more options ( over 65 plans) based on your priorities NOT limiting you to one company!
We help you at no cost, get the plan and doctors you desire as we maximize your discounts!
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: PPO’s allow you to go out of the PPO network but usually at a higher charge. But if the HMO network includes your providers do you need to pay more for services under the PPO?
Let’s talk about it to get you the plan that has the doctors and benefits important to you!
Every year I stress over picking a plan and still end up surprised by the bills. Is there any way to just get peace of mind with Medicare?
Answer: Your desire to know how your plan will work is true of many we talk with. We serve over 1,500 Medicare clients who trust us to explain how plans will really work. No big hidden “hammer” waiting to smash your wallet!
Medicare Done Right is what you want and that is who we are!
How could a universal healthcare debate shift Medicare's structure in the next decade?
Answer: No one can know the future so guessing is not going to help. I can say that very recently the Administration increase funding to many Medicare plans. This says a lot about future direction.
I want to be proactive about my health. What preventive services should I be taking advantage of with Medicare?
Answer: Plans have many preventative test to catch things small.
For Men: PSA, blood test with glucose, liver enzymes, cardio and immunity screening are important. Also a Colonoscopy every 10 years if you are not high risk, every 5 years if you have had polyps or family prostate issues.
For Woman: have a yearly mammogram. Also the blood test has indicated above from men and a colonoscopy. Thyroid may also be an issue so ask about testing.
Everyone should get a yearly checkup to see if you need a tuneup. Prevention is always best but catching things small is important too!
I missed my Medigap window by a few months and now no one will cover me without underwriting. Why isn't this rule more well known?
Answer: You deserve to know your opportunities and liabilities when it comes to timing of enrollment. Too many only find out about deadlines or penalties after it’s too late. Don’t let this happen to you or those you care about. Let’s talk!
I'm caring for my dad who has Alzheimer's with lots of medications and I keep getting bills I don't understand. Any tips for not drowning in paperwork?
Answer: Every plan has a huge phone staff answering phones explaining billing issues and can help look at any bill you have questions about. Their number is on the back of your card.
I need home health care after my surgery, but Medicare denied coverage. What are my appeal rights?
Answer: You always have the right to appeal any denied benefit. Start by giving us a call so we can either escalate your appeal or we can direct you on who to reach out to.
I'm on an expensive specialty medication. Will the 2025 Part D changes help someone in my situation?
Answer: The big change in 2025 to all Medicare Drug plans is the $2000 cap out of pocket for covered drugs The challenge is “covered”. Cheap drug plans have fewer drug “covered”. If the drug is not a covered drug you have no cal on how much you can pay out of your pocket!
What happens if I delay Medicare Part A enrollment because I'm still on my spouse's employer plan?
Answer: Part A does not usually come at a cost unless you (or your spouse) worked less than 10 years paying into Medicare. So there is no reason to delay Part A. Part B does come with a monthly premium so if you (or your spouse) are still working and they have a great plan at low cost then you ca delay joining Part B because you have credible coverage from your employer. Once you stop working then you should sign up for Part B and we can talk about plans that help with the gaps in A & B.
I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: We will be sure your drug is on the plans list. As long as it is you can spend no more than $2000 a year for covered drugs.
My doctor recommended a bone density test. Is this considered preventive care under Medicare?
Answer: Yes. We can talk about the many preventative test available. Think of these tests like a engine diagnostics.
My husband passed away and now my Medicare premiums went up. Why does losing someone raise your costs?
Answer: Some plans give couple discounts. We will be sure you maximize all discounts when your spouse passes away. There are usually many plans and companies to choose from . With 11 different companies and over 65 plans to choose from, you will maximize your plan as we work with you to get you the best value.
Why are seniors losing Medicare Advantage plans?
Answer: The last administration cut funding to Advantage plan. But just recently the reimbursement has increased.
But the cost to reduce drug maximum out of pocket comes at a huge cost.. Some plans would have been losers so better to reduce the number of plans so they can be viable long term.
Don't you think Medicare will eventually be privatized completely?
Answer: I think Medicare will continue to have changes. Preventative choices to disease will be rewarded and peoples health will increase due to wise choices and better practices. It may seem simplistic but choices make the difference in most outcomes.
I hope the govt will get smarter but they will always be part of the equation.
My doctor mentioned something about Medicare not covering my procedure. How do I find out for sure before I get stuck with a bill?
Answer: Call us about your plan and we can tell you or tell you who can. Knowing we are here for you is a valuable resource.
Won't Medicare run out of money before I can benefit from it?
Answer: I don’t see Medicare running dry. It would be political suicide. That is why both sides of the aisle push this off until we have to deal with it. Then we will!
What's the best way to avoid surprise bills for lab tests under Medicare Advantage?
Answer: Know your plan and call us with questions. Knowledge is power! This is why we are here for our trusted clients.
Can I backdate my Medicare enrollment if I missed my initial window due to a medical emergency?
Answer: Start early so you have added time to enroll. Back dating is against our integrity. We are here for you but we are followers of Jesus so our integrity is paramount. Also Medicare fraud includes massive fines and jail time. We will never put anyone in that position.
For Medicare Part D, why would someone pick a plan with a high total cost?
Answer: It’s a fact! Drug plans are not equal. What’s the difference?
1. Number of drugs covered.
2. Deductible or not before the plan starts to pay.
3. Copay or percentage of drug cost?
4. What drug stores take it.
5. Monthly premium.
Example: A new client told me his drug plan did not cover 2 of his drugs. That means there is no cap on what those drugs could cost annually. He was going to pay a little over $15,000 annually. We found a drug plan that cost him $100 more per month but his drug plan cost for the year went down to $475.
He had to pay more per month but saved over $14,000 in drug cost!
Sometimes it pay to pay more to save a bundle over the year!
What do seniors often misunderstand about Medicare's coverage for long-term care?
Answer: This confuses many before we explain it.
Medicare does not cover long term care. But it can help with rehab at skilled nursing (SNC) as long as they think you could get better. Max benefit under any plan is 100 days. Some would be less.
There are prerequisites under Medicare alone or Supplements in order to get help with rehab at SNC. To get help you need to have atleast 3 days as an inpatient before going to an approved SNC facility. Observation does not count toward the 3 days.
Under Advantage plans you usually have no 3 day requirement in the hospital to get help at SNC.
What is the main benefit of Medicare Part D?
Answer: Drug plans ( Part D of Medicare) helps with outpatient drugs and immunizations. Picking one can be a challenge because there are 102 different ones. Plus you don’t know what drugs you will need over the next 12 months. So plan with the unexpected in mind.
What is the trap of Medicare Advantage plans?
Answer: Advantage plans are like any other purchase: know what you are getting, where you go to use it and what it costs.
We go through the important step of finding out what is important to you. Then we clearly explain the differences, the benefits, why people choose one vs the other and compare them to your priorities.
Many agents are not educated or appointed to provide you with many options. They try to fit you to the insurance company vs matching your needs with the plan the best aligns with them.
Can Medicare Part D deny coverage for a brand-name drug if a generic isn't available?
Answer: The short answer is…yes.
Each drug will land has its own list(called a formulary. Each drug on the list is thrown out not one of 5 or 6 buckets (called tiers). The tier determines what you pay.
But, you and your doctor always have the right to make an appeal as to why you need a drug not on the list. Usually takes 72 hours for a response with a thumbs up or not.