Bryan Smith, Medicare Insurance Broker
Bryan Smith
Medicare Advocates
Medicare Broker Licensed in UT, AL, AR, AZ, CA, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, MT, NC, NE, NM, NV, NY, OH, OK, OR, SC, SD, TN, TX, VA, VT, WA, WI and WY
12+ Years of Experience
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Riverton, UT
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About Me
Hi, I’m Bryan Smith, your local Medicare expert based in Lehi, UT! With 13 years of experience in the Senior insurance market, I know how overwhelming Medicare can feel—but I’m here to make it simple, clear, and stress-free. I specialize in helping beneficiaries like you navigate Medicare Advantage, Supplement plans, and prescription drug coverage.
My goal is to find a plan that fits your needs and budget so you can feel confident in your healthcare decisions.
I take a personalized approach and treat every client like family. Whether you’re new to Medicare or looking to review your options, I’m here to help!
Let’s find the right plan for you—call or email me today!
Q&A with Bryan Smith
What do you enjoy most about working with Medicare clients?
Answer: I enjoy making Medicare easy for clients by finding them the right plan. It feels great to see them happy and stress-free with their coverage.
What is one of the the most common misconceptions people have about Medicare?
Answer: Many people think Medicare covers long-term care like nursing homes, but it only pays for short-term skilled care and not ongoing custodial support.
Does Medicare cover eye exams, or are seniors left paying too much?
Answer: Medicare doesn’t cover eye checkups for glasses, so seniors pay for them unless they have a special plan. It helps with eye tests only for bigger health problems.
What's a Medicare rule or regulation that's outdated or unfair to seniors?
Answer: Medicare raises costs for seniors who miss their Part B or Part D signup deadline, even if they didn’t know about it.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: It is a hard cap on the costs of ALL drugs that will save thousands of Seniors thousands of dollars.
What's the difference between a Medicare broker and a Medicare agent?
Answer: There really isn't difference, the main thing to know is that your Agent/Broker does not work for 1 specific insurance company. That way there is no bias in the plan offerings.
What is the biggest disadvantage of Medicare Advantage?
Answer: I’d say that sometimes a doctor has to submit attestations or evidence to justify certain procedures, since insurance companies might decide on coverage if the doctor isn’t actively involved.
What imbalance exists in prescription drug spending, and how has it impacted overall costs?
Answer: Pricey name brand drugs take up way more money than cheap generics. Special meds, like for cancer, make it worse. This affects everyone, with folks often paying more than insurance does. This drives up drug costs big time, and lots of people can’t afford their meds, which can lead to bigger health issues down the road.
Do Medicare Advantage plans really save seniors money in the long run? Why or why not?
Answer: Yes, they do. I have a study comparing Medigap and Medicare Advantage over 20 years, and even if beneficiaries reach their max out-of-pocket half the time, Medicare Advantage still comes out ahead in overall costs.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: I would never recommend anything site unseen. I need to do a true NEADS analysis with each client. No one has the same situation in life.
What's a common Medicare myth that even some agents still believe?
Answer: I'd say that some agents still think they have to take additional tests in order to get a non-resident license.
Can I change my Supplemental/Medigap plan at any time?
Answer: Yes! As long as you can pass underwriting in some situations. Also depending on where you live or where you signed up, you may not be required to answer health questions.
How do discount cards and resources affect my Medicare Prescription Drug plan?
Answer: They do not have a connection to your coverage. It is usually one or the other. So if you think your co-pay is too high with insurance, try GoodRx.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: Yes and No. It all depends on your current situation. If you don't have creditable coverage, delaying Medicare at 65 may lead to permanent late enrollment penalties.