Bradley Harris, Medicare Insurance Broker
Bradley Harris
BJH Insurance Services
Medicare Broker Licensed in NC, GA, KS, MI, OH, SC, TN, TX and WV
Contact Details
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Location
Concord, NC
About Me
I am the son of Donald Harris from Hickory, NC. He had thousands of clients in the Hickory area and was known for being a good man that was very honest. I have to say I am a chip off the old block, he taught me well.
Signing up for Medicare can be a daunting task and can be confusing. If you work with me I will show you the two paths you can take on Medicare so you can make the right decision. It is important for customers to understand the two major options they have when going on Medicare. That being should I go on Medicare with a supplement plan, or should I go on a Medicare Advantage plan. Both types of plans have great things about them and some not so great things about them. It is important to have an agent that will show you both. While working with me I will do just that and determine what is best for you. I look forward to helping you out with your Medicare needs and I take pride in doing the right thing for all of my customers.
Thanks,
Bradley Harris
Q&A with Bradley Harris
I moved to a different parish in Louisiana. Can I keep my Medicare Advantage plan, or do I need to choose a new one?
Answer: That would depend if the plan you are on is also covered in the new parish you moved to. Contact your plan to see if that same plan is covered in that area. If not, you will get an SEP (Special Election Period) to change to a plan that is in that area. You must do this within 2 months of moving, however. If not, your SEP will run out and you will have to wait until AEP.
What happens if I delay Medicare Part A enrollment because I'm still on my spouse's employer plan?
Answer: If you are collecting Social Security when you turn 65, they will automatically enroll you in Part A. Which is typically at no charge to most people. Then the employee coverage from your spouse becomes the primary payee and Medicare Part A is secondary. If you aren't on Social Security I would go ahead and enroll in A since it is $0 a month. Just don't enroll in Part B though until you are ready to come off that employee plan. So you can enroll in A, just delay part B until you are ready to come off that employee coverage plan. The reason is that Part B isn't free and there is no reason to pay that premium until you are ready to be covered by nothing more than Medicare.
Are all types of blood tests covered by Medicare?
Answer: Medicare covers medically necessary clinical diagnostic laboratory tests when your doctor or provider orders them. These tests may include certain blood tests, urinalysis, certain tests on tissue specimens, and some screening tests. A couple of examples are Fecal occult blood tests, blood glucose tests, Hepatitis C tests and say HIV tests.
What are the reasons why I should work with a Medicare agent?
Answer: Because an agent is professionally trained on the options that you have when going on Medicare. A good agent will show you the two paths you can take when going on Medicare. That being Medicare with a supplement plan. Or going on a Medicare Advantage plan. That agent will also show you the good things and not so good things about both paths you can take. If your agent doesn't go over both paths with you. Then that isn't a good agent.
Aren't those Medicare seminars just sales pitches in disguise?
Answer: There are basically three types of events. Informal Marketing events, Formal Marketing events and Educational events. Anything that is deemed as a Marketing event, is an event that agents can and are trying to make sales at. An educational event is an event that is for educational purposes only and agents can't go over benefits of plans or try to sell plans during that event.