Bob Nunn, Medicare Insurance Agent
Bob Nunn
Medicare Agent Licensed in FL, AL, AR, AZ, CA, CT, DC, DE, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY
Contact Details
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Location
Bushnell, FL
About Me
Hi! My name is Bob, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Bob Nunn
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: What is the unintended consequences of my actions what am I not seeing that could hurt me later . So I complete compliant presentation of MAPD and Med Supp is vital not just the one the agent pushes you because it is good for them ,so willingness to take time with you till all the questions are answered.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: Medicare PPO has a greater Moop usually but it allows you to see a greater amount of Doctors in and out of network . Sometimes better when you are traveling.
Can you explain how Medicare works with other types of insurance like Veterans Affairs benefits or employer plans?
Answer: It works fantastic with Tri-Care for life and would recommend doing a Ma only with giveback to subsidize part B . That will allow you really to have robust coverage and should really never have a bill . Employers plans need to be analyzed on the individual merits of each plan . You should provide Agent with a EOB to look over , if unwilling do not stay with that agent call me. .
I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?
Answer: First not sure what rehab it is but if you go to Medicare.gov and download the 2025 Medicare and you book . Go to Section 2 : Find out what Medicare covers starting on page 25 .
I use several prescription apps and digital therapeutics for my chronic conditions. Does Medicare provide any coverage for digital health tools in cases like mine?
Answer: I would advise go to Medicare.gov/coverage or call 1-800-633-4227 if it’s not on previous website list .
I need home health care after my surgery, but Medicare denied coverage. What are my appeal rights?
Answer: My advice is to go to Medicare.gov and download the 2025 Medicare and you book . In Section 8 page 97 -106 is a step by step guide to appeal and a lot of very useful information.
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: If possible I would contact a licensed professional agent to go over options and make sure you ask questions. A supplement with original Medicare might be a better option for you.
I'm on Medigap Plan G, and I'm curious how my upcoming knee replacement surgery will be billed. Does the plan cover it all after my deductible?
Answer: Plan G has a once a year 250 deductible than as long as it is a Medicare covered expense you will be covered , Always ask do you accept Medicare , is this a Medicare covered procedure and what will be my portion before the operation or service , they have to inform you by law .
I have Medicare Advantage with a PPO, and I'm curious if my annual wellness visit is free or if I'll owe something for it.
Answer: Usually there is a list of no charge preventive services in the explanation of benefits and an annual wellness check certain screenings a blood work are customary included. Please look at your policy or call your customer service to verify.
My Medicare Advantage plan listed my doctor, but now they say he's out of network. How is that even allowed?
Answer: I see this problem a lot because AEP is 10/15-12-07 and starts 1/1 of the next year. But Doctors leave or go to a network also at the beginning of the new year. Most enrollment hubs update weekly or monthly for providers . But most transitions come at the new year. Having a conversation with your Doctor or at least Office Mgr might be of value . A reason for enrolling in a PPO is you can in and out of network also using Original Medicare with a supplement will immediately solve this problem.
Can you help me understand Maximum Out-of-Pocket (MOOP) limits in Medicare plans, from your experience as an agent?
Answer: There is co insurance ,paying part of the service like initial days in hospital and copayments like 20 for a specialist visit . Max out of pocket or Moop is what you pay per year with coinsurance and copayments , it does not include premium payments . So try to get procedures done at end of year because Moop resets beginning of next year. Please note there is a separate Moop 2000 for drug cost that does not apply to health care Moop.
When my husband dies, do I get his Social Security and mine?
Answer: First your husband when signing up needed to assign you to get his SS upon his death . You will have to choose one or the other .
Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?
Answer: I would have a license agent go over the different plans G,N High deductible. Most important tell the agent exactly what is important to year ,travel , access to Doctors, fixed premiums. Connect with an Agent and have a frank discussion about budget and all your questions . Be happy to assist
I'm planning to delay Social Security until age 70, but I'm turning 65 soon. How does this affect my Medicare enrollment?
Answer: . You are eligible for Medicare at 65 regardless of your choice to receive Social Security. Go to ssa.gov and on the middle of the page you will see start Medicare Part B , and fill it out which you can do 3 months from birthday month .
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: It may limit your provider options because they may not have a lot of choices . You might have to go out of network which might cause extra expenses.
If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?
Answer: To get disability from Medicare someone has to be determined to be disabled for 2 years . Once disabled for 2 years determined by a Doctor you will be eligible.
Don't you think Medicare will eventually be privatized completely?
Answer: I would be hard pressed to argue it’s not already . I suggest some form of reformation is necessary to preserve the validity of the program and left to privatization without true government oversight might cause catastrophic consequences.