Brandon Grzywa, Medicare Insurance Broker
Brandon Grzywa
Senior Legacy Partners
Medicare Broker Licensed in NE, IA and SD
15+ Years of Experience
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Location
Papillion, NE
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About Me
Brandon has over 15 years of experience in the senior insurance market. He is dedicated to guiding and educating individuals nearing retirement through the complexities of Medicare, long-term care, income generation strategies, portfolio protection, and life coverage options.
As the founder of Senior Legacy Partners, an independent brokerage firm located in Papillion, Nebraska, Brandon leverages his experience, knowledge, and deep-rooted ties to the community to provide personalized and trustworthy advice to his clients. His firm specializes in Medicare Supplements, Medicare Advantage, annuities, long-term care, life, and dental, ensuring clients receive comprehensive support tailored to their unique needs.
Beyond individual consultations, Brandon is committed to community outreach and education through seminars and workshops, simplifying complex topics like Medicare to empower clients in making informed decisions.
Whether you're exploring retirement options or seeking clarity on insurance plans, Brandon and the team at Senior Legacy Partners are here to help.
My Google Reviews
4 Total Reviews (5.0 )
November 8, 2024
Brandon did a great job for us!! Highly recommended!! Paul and Sandra Hamilton
August 16, 2022
October 29, 2021
Brandon was extremely knowledgeable and delightful to work with. He helped me select a new plan that gave me the same coverage and still saved me a ton of money. He has my business for always️
October 25, 2021
Brandon Grzywa, is a knowledgeable, professional, delightful person. He answered my questions , have me time to think bout my course of action and followed up with the results
Q&A with Brandon Grzywa
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: It can be a confusing mess of information when deciding what to do with Medicare after age 65. In general, if your company offers qualifying coverage (you should be notified every year if it does), you do not need Part B. It may be wise to review work coverage benefits and compare them to Medicare benefits and costs. What seems like a deal at work might not be when you look under the hood. Many factors will play into when is the best time to take Medicare if you're still working, like: Age of a spouse, IRMAA (Income Related Medicare Adjustment Amount), health, upcoming procedure, knee replacement, etc. Consult an independent broker like Senior Legacy Partner, we can help make the complex simple.
What are the types of Medicare Advantage plans?
Answer: Medicare Advantage plans usually fall into three categories:
1) Standard MAPD plans. These plans are typically offered on a HOM PPO managed health platform and include Rx benefits.
2) Dual Eligible Plans (D-SNP): These plans are designed to work with your state Medicaid benefits.
3) MA only plans: These plans use HMO/PPO managed health plans. The majority is PPO. These plans DO NOT include RX benefits like a standard MAPD does. These plans are designed to be used in conjunction with VA or TRICARE benefits.
There are a few lesser-used Advantage plan options, such as Medicare Cost plans, Medicare Savings Plans, and C-SNP (chronic special needs plans), but these are not widely available or utilized.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: They are $0 premium to the consumer, but not necessarily free of charge. The federal government pays Advantage carriers a per-covered-life amount, which can be adjusted based on specific metrics.
So, yes, they cost consumers $0 premium, but not quite free of cost.
What do I need to do if I didn't take Medicare at 65 and am now retiring?
Answer: Proper planning and preparation are key to ensuring a smooth transition to Medicare. Assuming your work coverage was creditable, you should not incur any late enrollment penalties. It is wise to enroll in Medicare through the Social Security office three months before your retirement date.
Also, understanding your coverage options and which options best fit your needs is essential. Consult an independent broker for assistance in determining the best fit for your circumstances. The consultation should be free of charge to you.