Bill Horton, Medicare Insurance Broker
Bill Horton
Horton And Deloach Insurance Brokerage LLC
Medicare Broker Licensed in GA, AZ, FL, ID, IN, MO, MT, NH, NM, OR, SC, TX, WA and WV
16+ Years of Experience
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Location
Pooler, GA
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About Me
There is a LOT of misinformation out there. For straight answers and guidance, call or email us to discuss your Medicare plan options and costs. You will never pay us a penny.
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Q&A with Bill Horton
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: Anyone who is awarded Social Security Disability is automatically enrolled in Medicare A & B after 24 months of SSDI benefits. Turning 65 has nothing to do with it in this example.
If I need hospice care in the future, can my Medicare plan cover it?
Answer: Yes, it will. Whether you have a Medicare Advantage plan or a Medigap plan, you are covered for hospice care.
Why do some agents push Medicare Advantage plans over Medigap-should I be skeptical?
Answer: In all honesty, yes, you should be skeptical. Both Medicare Advantage and Medigap plans have their own pros and cons. The Advantage plans typically pay a higher commission to the agent which is the answer to your question. Not everyone is in this business for the right reasons.
A good agent/broker will explain, in detail, how each type of plan works and let you decide which way you want to go. Feeling pushed should always be a red flag.
Are there disadvantages to working with a Medicare broker/agent?
Answer: No. A good broker will gather all pertinent information about your situation (such as prescriptions and doctors) and filter through all available plans to determine which plan options work best for you.
An agent that only works for one company (known as a captive agent) can only offer you plans from that particular company. Which may or may not be the plan that you need.
A broker will not charge any fee for his or her services - you will pay the same as if you had gone straight to the company.
I'm still working at 67, and I don't know if I need Part B. Why is something so basic so hard to figure out?
Answer: You will want to compare costs between your Group plan through work vs. your anticipated costs of going on Medicare. Not just the monthly premium, but also copay and coinsurance differences between the two. Prescription pricing also needs to be factored in.
If you have family members also on the Group plan we have to take that into consideration as well.
Once these various factors are accounted for, you would typically choose the option that keeps the most money in your pocket.
While this may sound daunting, a good broker can make the process very easy for you. Sometimes it makes sense to stay on the Group plan until retirement, sometimes it makes sense to switch to Medicare. There is no one-size-fits-all answer.
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: You would want to find a drug plan that covers your biologic medication. Once that is accomplished, your maximum out-of-pocket Rx costs for 2026 are capped at $2100.