Brady Kidwell, Medicare Insurance Broker
Brady Kidwell
Integrity
Medicare Broker Licensed in NC, FL, GA, KY, SC, TN and VA
Contact Details
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Serving
Waynesville, NC
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Brady Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hi, my name is Brady Kidwell and I am your local Medicare insurance Broker. Don’t call those 1-800 numbers! Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today at my office (423)525-4161 or my personal cell number (423)972-8779 to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Brady Kidwell
What do you like most about being a Medicare agent?
Answer: I love helping people, I like making Medicare simple, all the letters you receive can be very confusing at times.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: I once received a call from a member who was confused about their benefits and felt frustrated. Another agent signed them up on. I calmly listened to their concerns (Situation) and assured them I would help. I took the time to explain their coverage in detail and provided them with written documentation for their reference.
What do seniors often misunderstand about Medicare's coverage for long-term care?
Answer: Seniors often misunderstand Medicare's coverage for long-term care, believing it covers extensive services like assistance with daily living activities (dressing, bathing, etc.) or long-term nursing home care. In reality, Medicare primarily covers medically necessary care and doesn't typically cover long-term care needs that are primarily custodial or non-medical.
What does Medicare Part B cover? Is it enough?
Answer: Medicare Part B, or medical insurance, primarily covers doctor's services, outpatient care, home health services, and some preventative care, but it doesn't cover all medical expenses. While it's a significant component of Medicare coverage, it's usually insufficient on its own for all healthcare needs
Is Part B Enough?
For some, Medicare Part A and B (Original Medicare) are sufficient for their healthcare needs. However, many individuals find that these two parts don't cover all of their healthcare costs and needs. This is why many people choose to supplement their coverage with Medigap policies or Medicare Advantage plans. Medigap policies can help pay for the out-of-pocket costs associated with Part A and B, while Medicare Advantage plans offer a broader range of coverage, often including prescription drugs and other services not covered by Original Medicare.
In summary: Part B covers a wide range of medical services, but it's not a complete solution for all healthcare needs. Many people choose to supplement it with Medigap or Medicare Advantage plans to ensure they have adequate coverage.
How will advancements in wearable health tech (like smartwatches) integrate with Medicare?
Answer: Wearable health technology like smartwatches are expected to integrate with Medicare by providing continuous data to improve patient care and potentially reduce healthcare costs, particularly for chronic conditions. This integration involves using data from wearable devices to enhance monitoring, facilitate remote patient care, and personalize treatment plans.
Should there be stricter regulations on Medicare Advantage marketing and sales practices?
Answer: Yes, consumer say that Medicare Advantage sells can be annoying, aggressive, misleading information, especially over the phones.
Is paying for a high-end Medicare Supplement plan really worth it, or is it overkill?
Answer: my personal opinion Medicare supplement plans are great plans. But I do not think they’re worth it. I always tell my clients if they can afford them get them. But just know that your premiums are gonna go up every one to two years. No I do not think it’s an overkill if my clients can afford them.
How do you educate clients who are completely new to Medicare?
Answer: I’ll give them a good breakdown of parts A,B,C and D. I cover all the details, along with all the ins and outs of becoming new to Medicare.
My kids keep telling me to get a Medicare Advantage plan, but my friends say stick with Original Medicare. Who should I listen to?
Answer: You should honestly listen to your gut. But me personally I’m leaning more towards a Medicare advantage plan. Here is why, with original Medicare you’re still responsible for 20% of the coverage. so let’s say you have a $50,000 hospital bill, so roughly that would leave you with a $10,000 bill. Most Medicare advantage plans only have a max out-of-pocket of no more than $5000 which depending on which area you are located in..
I'm planning to delay Social Security until age 70, but I'm turning 65 soon. How does this affect my Medicare enrollment?
Answer: As long as you have creditable covering it won’t affect anything. And what I mean by creditable covering is, prescription drug coverage through your employer or spouses employer.