Bobby Coates, Medicare Insurance Agent
Bobby Coates
Texas Medicare Shop, Inc.
Medicare Agent Licensed in TX, AL, AZ, CO, FL, IA, IL, IN, KS, LA, MD, MO, MS, NC, NJ, NV, NY, OH, OK, OR, PA, TN, UT and WV
Contact Details
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Location
Round Rock, TX
Bobby Can Help With:
About Me
Medicare can be a daunting task to go at alone. Every year more plans and options make it even more difficult to make sure you have the right coverage. Let us help.
Q&A with Bobby Coates
What do you like most about being a Medicare agent?
Answer: I am able to make a good living by simply helping people. There are so many questions about Medicare it keeps me very busy.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: The PPO is going to offer more flexibility, however the HMO is going to offer the lowest overall costs should a medical condition arise. A PPO will allow you to go out of Network (you will typically pay a little more) but the PPO will have a higher Maximum out of pocket vs a HMO.
My Medicare Advantage plan listed my doctor, but now they say he's out of network. How is that even allowed?
Answer: Doctors are able to drop out of a Network in the middle of the year. It is always a good idea to review your Medicare Advantage Plan every year during the Annual Election Period from October 15th - December 7th.
My diabetes medication is super expensive, and I've heard horror stories about Part D not covering what people need. Should I go standalone Part D or get it through a Medicare Advantage plan?
Answer: Whether you chose standalone Part D (Original Medicare) or an Advantage Plan, it is important to remember there is no such thing as a plan that covers ALL medications. Each plan (PART D standalone or Advantage) will have its own special list (Formulary) of medications it will cover. The plan will break down the medications into tiers and that is what will determine your Co-Pay if any. I would recommend meeting with an independent agent and having them do a review to determine the best option. If you are new to Medicare you may be able to sign up now. Otherwise you will want to wait until AEP (October 15-December 7).