Bud Griffin, Medicare Insurance Broker
About Me
Hi! My name is Bud, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
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Q&A with Bud Griffin
Answer: The SOA specifies which Medicare plans (e.g., Medicare Advantage, Part D, Medigap) the beneficiary wants to discuss. In essence, the Scope of Appointment form is a crucial tool for ensuring that Medicare beneficiaries are protected and informed during the sales process, allowing them to make the best decisions about their healthcare coverage.
Answer:
Visual comprehension and verbal literacy are two distinct ways of processing and understanding information, each with its own strengths and limitations.
What I find most rewarding about being a Medicare sales agent is being able to offer local Texan's the opportunity to meet face-to-face for a plan review. Most seniors are visual comprehensive inclined and appreciate being able to get acquainted with me in the process.
Answer: A common trick in Medicare marketing that hides restrictions on doctor choices is to use misleading advertising that implies broad access to doctors or doesn't clearly disclose network limitations. --online source https://www.google.com/search?q=Question%3A+What%27s+a+common+trick+in+Medicare+marketing+that+hides+restrictions+on+doctor+choices%3F&rlz=1C1ONGR_enUS1085US1085&oq=Question%3A+What%27s+a+common+trick+in+Medicare+marketing+that+hides+restrictions+on+doctor+choices%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQRRg60gEJMTQ3MGowajE1qAIAsAIA&sourceid=chrome&ie=UTF-8
Answer: Not visiting with a reliable Medicare Sales agent foce-to-face instead of finding a plan online or over the phone.
Answer: No one can predict the future; but, you can count on Medicare Premiums and deductibles going up, in order to keepup with inflation.
Answer: After satisfying the Part A hospital stay deductible ($1,676.00 per hospital stay benefit period in 2025) your copay is $0 dollars for the first 60 days per hospital stay. For days 61-90 pre hospital stay you will have a copay of $419.00 per day in 2025. You will pay $838 per lifetime reserve day after day 90 of each benefit period in 2025 (up to a maximum of 60 days in your lifetime).
Answer: With a Plan G, in addition to the premium, you will have to pay the part B deductible ($257.00 in 2025) and all Part A and Part B approved charges are paud by the policy at 100%. With the Plan K, in addition to the premium, you will pay the Part B deductible and be responsible for 50% of the approved charges for Part B coinsurance, Blood benefit (firts 3 pints) Part A hospice care, Skilled nursing facility coinsurance, and Part A deduclible. In addition, on Plan K you may be charged excess charges.
Answer: Every Part D plan available in your zip-code will cover different diabetes medications and have different co-pays or coinsurance charges that you will be responsible for. You should compare the plans available in your zip-code to be able to make an informed decision. I offer plan comparisons free of charge and wilhout any obligation to enroll.
Answer: Typically, you will be automatically enrolled in Medicare Part A and Part B upon recieving your 24th disibility monthly benefit, or upon turning 65, whichever comes first. They should mail you a Medicare ID card 3 months before it is set to be active. If you don't get it in the mail then, you might want to call social security and inquire.
Answer: It depends on your age. You can start recieving retirement benefits at 62, but Medicare eligibility is 65 for most seniors not already on Medicare due to a qualifying disibility.
Answer: Most captive agents will push the products their company sells and steer you away from any they don't represent. Indipendent agents are usually more un-biased.
Answer: Local Agents are familiar with the Plans offered locally, whereas remote/virtual agents usually are captive and biased.
Answer: Both are viable options. Each person should weigh the differences to see which coverage is the right fit for their anticipated treatment needs going foreward.
Answer: Not typically. Part B covers medical nutrition therapy services if you have diabetes or kidney disease, or you’ve had a kidney transplant in the last 36 months. A doctor must refer you for the services.
Answer: Medicare Part A and/or Part B covers a wide range of health care services that you can get in your home for an illness or injury as long as you need part-time or intermittent skilled services and you’re “homebound,” which means: 1. You have trouble leaving your home without help (like using a cane, wheelchair, walker, or crutches; special transportation; or help from another person) because of an illness or injury. 2 Leaving your home isn’t recommended because of your condition. 3. You’re normally unable to leave your home because it’s a major effort. A health care provider (like a nurse practitioner) must assess you face-to-face before certifying that you need home health services. A health care provider must order your care, and a Medicare-certified home health agency must provide it. In most cases, "part-time or intermittent" means you may be able to get skilled nursing care and home health aide services up to 8 hours a day (combined), for a maximum of 28 hours per week. You may be able to get more frequent care for a short time (less than 8 hours each day and no more than 35 hours each week) if your provider determines it's necessary. You won't qualify for the home health benefit if you need more than part-time or "intermittent" skilled care.
Answer: Not necessarily. Premiums are not the only thing you should look at when comparing plans. Plan benefits vary from one plan to another. Comparing plans benefits available in your zip-code is important whan shopping for your chosen plan.