Bruce Kern, Medicare Insurance Broker
Bruce Kern
Premier Benefit Services
Medicare Broker Licensed in NJ, AZ, CO, CT, DE, FL, MA, MD, ME, MI, MO, NY, PA, SC, TX and WA
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Wayne, NJ
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About Me
Hey there, my name is Bruce, and I am your local Medicare advisor and agent. I specialize in Medicare for over 20 years and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of helping you get through the Medicare Maze by comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
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Q&A with Bruce Kern
What's one Medicare decision that too many people regret later?
Answer: Choosing a plan because their friends chose the same plan and it wasn't the right plan for them. Weather it was a Medicare Advantage Plan or a Medicare Supplement with a RX Drug card
How do you educate clients who are completely new to Medicare?
Answer: One on one or face to face meeting or group meetings that they can attend and learn from.
Have the clients come to a meeting with a list of questions.
What's one hidden Medicare expense that people don't think about until it's too late?
Answer: Hospital co-pays that the clients don't realize that they have until they leave the hospital and reaceive there Bill.
I changed my plan during Open Enrollment and now I can't see my regular specialist. Isn't this what the whole review period is supposed to prevent?
Answer: The agent should have checked all of her doctors before they switched their policy. The client should of been aware of all of the benefits the new policy afforded her.
How does life insurance contribute to financial planning?
Answer: Definitely and Absolutely. You must have some type of life insurance for you and your families future is something unexpected happens.
If I start dialysis, how does that change my Medicare eligibility or coverage?
Answer: Definitely not as you are guarantee issue when you first turn 65. either with a Medicare Supplement or a Medicare Advantage Plan
I'm participating in a clinical trial for a new cancer treatment that uses personalized medicine based on my genetic profile. How does Medicare coverage work in this situation?
Answer: It will either be covered by Part D Drugs or perhaps by Part B drugs. Or you can apply for a formulary exception to have either you Part D or Part B cover your medication
How might climate change-related health issues (like heat stroke) influence Medicare policies?
Answer: It doesn't effect Medicare Policies at all. Just make sure you understand how your plan works.
Read your summary of benefits
My Medicare Advantage plan covers dental, but I can't find a dentist who accepts it. Is this a common problem?
Answer: Your agent should have checked to see that you plan covered your doctors and dentist before you sign up for that plan