Carl-Daniel Cole, Medicare Insurance Broker
Carl-Daniel Cole
Cole Insure
Medicare Broker Licensed in MO, AL, AR, AZ, CO, FL, GA, IA, IN, KS, KY, LA, MD, MI, NC, NE, NV, OH, OK, PA, SC, TN, TX, UT, VA and WI
6+ Years of Experience
Contact Details
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Location
Kansas City, MO
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About Me
Welcome! I got into the Medicare space after seeing how complicated health coverage can be, especially when families are already dealing with major life events. I’ve always believed people deserve clear, honest guidance when it matters most — and that’s what inspired me to start.
Over the years, I’ve had the privilege of helping thousands of Medicare beneficiaries understand their options and feel confident in their decisions. Every individual situation is unique, and at Cole Insure, we take the time to get it right — no pressure, no guesswork.
We’re proud to have earned the trust of clients across the country, backed by plenty of 5-star reviews and a team that truly cares.
If you or your family have questions about Medicare, we’re here to help — and there’s never any cost for our service. Reach out anytime.
Q&A with Carl-Daniel Cole
Can I enroll in Medicare if I've never paid into Social Security due to working overseas?
Answer: Yes, you can still enroll in Medicare, but you may have to pay a premium for Part A if you didn’t pay into Social Security. You’ll still be eligible for Part B and other parts if you meet age or residency requirements.
I'm considering a smartwatch that monitors my heart rhythm for atrial fibrillation. Will Medicare help cover this type of wearable technology?
Answer: Original Medicare typically doesn’t cover smartwatches, but some Medicare Advantage (Part C) plans may offer coverage or allowances for wearable health devices like these. It depends on the plan, so we can check your specific benefits to see if it’s included.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: Yes, you may be penalized if you don’t enroll in Medicare when you turn 65 and don’t have other creditable coverage. The penalties can apply to Part B and Part D and may increase the longer you wait. It’s important to enroll on time to avoid these added costs.
I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: Starting in 2025, Medicare Part D will include a $2,000 annual out-of-pocket cap on prescription drugs. For someone taking high-cost medications like biologics, this change can significantly reduce your yearly expenses. It’s designed to offer better financial protection for beneficiaries with serious conditions.
Can Medicare help cover in-home care for dementia patients who wander or need supervision 24/7?
Answer: Medicare may cover limited in-home care for dementia patients, but only if skilled nursing or therapy is medically necessary. It does not cover 24/7 supervision or custodial care, such as help with wandering or personal care. Long-term care services like that are typically not covered.
I'm a smoker trying to quit. What smoking cessation benefits does Medicare offer for someone in my situation?
Answer: Medicare covers smoking cessation counseling and may cover certain medications to help you quit. These benefits are available whether or not you show signs of tobacco-related illness.
I signed up for a Medicare Advantage HMO, and I'm wondering if I can see a cardiologist out of network without paying everything myself.
Answer: With a Medicare Advantage HMO, you typically need to see providers within the plan’s network. Seeing an out-of-network cardiologist usually means you’ll pay the full cost unless it’s an emergency. It’s best to check with your plan directly for any exceptions.
What's the process for signing up for Medicare if I'm already on disability benefits?
Answer: If you’re already receiving disability benefits, you’ll typically be automatically enrolled in Medicare after 24 months of disability. You should get your Medicare card in the mail about three months before your coverage starts. No need to apply unless you want to add a Medicare Advantage or Part D plan.
If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?
Answer: Yes, if you’ve been receiving Social Security Disability benefits for 24 months, you typically qualify for Medicare automatically—regardless of your age. You’ll be enrolled in Parts A and B unless you choose to delay.