Bruce Spears, Medicare Insurance Broker

About Me

Hello, my name is Bruce Spears and I am a local Medicare broker. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will search nationally recognized as well as local plans so you don't have to. My services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Please mention that you found me on Medicare Agents Hub.

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Q&A with Bruce Spears

Do I really need help in figuring out what's best for me as for as Medicare Planning?

Answer: Decisions you make now regarding Medicare have consequences for the rest of your life. Certain decisions you make now can preclude you from participating in all the options available to you in the future. Medicare broker's services are free to you, why not consult with a professional that knows all of the rules and regulations, so that the choices you make now won't haunt you down the road.

What's the key difference in how Medicare Advantage and Medigap handle out-of-network providers?

Answer: With Medigap, there are no "out of network providers. You can go to any doctor that accepts Medicare. This is a huge benefit and one of the main reasons to buy a Medigap plan vs. an Advantage plan. Advantage plans have networks that are sometime very narrow, so Medigap plans are the exact opposite in that regard.