Chad Smith, Medicare Insurance Broker
Chad Smith
Medicare Made Easy
Medicare Broker Licensed in KY
16+ Years of Experience
Contact Details
-
Location
Lexington, KY
-
Phone
-
Facebook
About Me
Navigating Medicare can feel overwhelming — but it doesn’t have to be.
Hi, I’m Chad, an over 15 year dedicated Medicare consultant committed to doing the hard work for you. I research and compare plans from both national and local plans to find the coverage that fits YOUR life and YOUR budget — not a one-size-fits-all solution.
Here’s what you get when you work with me:
✅ Personalized plan recommendations
✅ Access to top national and local Medicare plans
✅ Zero pressure, zero confusion — zero
My services are 100% free, and I’m here to make sure you feel confident in every decision.
📲 Ready to find your perfect plan? Reach out today — and when you do, mention you found me on Medicare Agents Hub!
Let’s make Medicare simple.
Q&A with Chad Smith
Is help available in Spanish when choosing or using my Medicare plan?
Answer: Yes, help is available in Spanish for choosing, enrolling in, and using Medicare plans. Medicare and related programs provide free language assistance.
My income is limited. Are there programs that can help pay my Medicare premiums?
Answer: Yes—there are several programs designed specifically for people with limited income to help with Medicare premiums and other costs. The main ones are the Medicare Savings Programs (MSPs), administered through Medicaid in Kentucky, plus the Extra Help program for prescription drugs
Did you know you can receive money back each month from your part B premium?
Answer: Yes, that’s the Medicare Part B Giveback Benefit (also called a Part B premium reduction)! It’s a popular feature offered by many Medicare Advantage (MA) plans, including some Humana options.
I've heard Medicare Advantage plans have hidden costs. How do I know what I'm really getting?
Answer: Medicare Advantage (MA) plans can feel like they have “hidden costs” because they bundle Part A, B, and usually D coverage with extras, but the details (networks, rules, and out-of-pocket expenses) vary widely by plan.
Are there churches or community organizations in my area that help with Medicare questions?
Answer: Where is your area located? We can find out. We can even maybe answer your specific questions here. What is it your needing about medicare
Is Guaranteed Issue available after the Medicare Open Enrollment period ends?
Answer: No, Guaranteed Issue (GI) for Medigap policies is generally not available simply because the annual Medicare Open Enrollment Period (typically October 15–December 7 for Medicare Advantage and Part D) has ended. 
Key Distinctions
• Medigap Open Enrollment Period: This is a one-time, 6-month federal window that begins the month you turn 65 (or older) and enroll in Medicare Part B. During this time, insurers must sell you any Medigap policy they offer in your area without medical underwriting (health questions), and they can’t charge more based on pre-existing conditions. 
• Annual Medicare Open Enrollment: This is separate and does not trigger federal Guaranteed Issue rights for Medigap. It mainly affects MA plans and Part D. 
When Guaranteed Issue Rights Do Apply
Federal law provides GI rights (insurers must issue certain Medigap policies without denying coverage or using health status) in specific “qualifying events,” such as:
• Losing certain other coverage (e.g., employer/group health plan, Medicare Advantage plan, or Medicaid).
• Moving out of a Medicare Advantage plan’s service area.
• The insurer stopping coverage or you switching during a Medicare Advantage trial right period (usually the first year).
• Other situations like turning 65 while on certain employer coverage. 
These typically give you a 63-day window (sometimes longer) after the qualifying event to apply. You usually need proof of the event. 
Note: GI rights often limit you to specific plans (e.g., A, B, C, D, F, G, etc., depending on the situation), not necessarily all available ones.
State Variations (Relevant for Kentucky)
Some states offer additional protections, such as:
• Annual GI windows
• “Birthday rules”
• Year-round access (e.g., NY, CT)
Kentucky follows federal rules primarily, with no broad annual GI period for Medigap like some other states. Check your state’s exact rules, as they can change. 
Recommendations
• After your initial 6-month Medigap Open Enrollment ends, i
What is the Medicare Give Back Benefit and how does it lower my Part B premium?
Answer: It’s a monthly partial rebate from the insurance carrier for your part B premium. Can show up in your social security monthly
What are the reasons why I should work with a Medicare agent?
Answer: To help you with additional coverages that come out each year!
To find you the best network of doctors and dentists