Chris Hunsucker, Medicare Insurance Agent
Chris Hunsucker
Abundant Life Insurance Agency
Medicare Agent Licensed in NC
6+ Years of Experience
Contact Details
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Location
Asheboro, NC
Chris Can Help With:
About Me
Hello, I'm Chris, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Directions to My Office
Q&A with Chris Hunsucker
Can a Medicare Supplement insurer cancel my Medigap policy?
Answer: Only in certain circumstances can a Medicare Supplement insurer cancel your Medigap policy.
-If you fail to pay your monthly premium(s)
-Material misrepresentation/fraud on your application
-Insurer files for bankruptcy
-If you move out of the service area in which the insurer provides coverage
If the insurer files for bankruptcy and you lose coverage through no fault of your own you have 63 days to get a new Medigap policy with guaranteed issue rights meaning no questions asked about health conditions.
I'm living solely on Social Security of $1,400 monthly and can't afford my Medicare premiums and copays. What assistance programs might help someone in my situation?
Answer: If your income is low enough you could qualify for LIS (aka Low Income Subsidy or Extra Help) and/or Medicaid. LIS helps with premiums, coinsurance, and deductibles as it pertains to a prescription drug plan and Medicaid helps with paying the Part B premium which is $202.90 each month for 2026.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: No, you generally cannot switch from a Medicare Advantage plan to a Medigap (Supplemental) plan during the Annual Enrollment Period (AEP, Oct 15–Dec 7) without answering health questions, known as medical underwriting.
Switching Process
During AEP, you can drop Medicare Advantage and return to Original Medicare (Parts A & B). However, applying for a new Medigap policy afterward typically requires insurers to review your health; they may deny coverage, charge higher rates, or exclude pre-existing conditions if you don’t qualify for an exception.
Exceptions for No Underwriting
Guaranteed-issue rights (no health questions) apply only in specific cases, like:
• Your initial Medigap Open Enrollment (6 months starting when you turn 65 and enroll in Part B).
• First 12 months (trial period) after joining Medicare Advantage.[ehealthinsurance +1]
• Plan termination, moving out of service area, or certain state rules (e.g., birthday rules in CA, OR).
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent offers personalized help navigating a complex system. They provide expertise without extra cost to you.
Key Benefits
• Expert Guidance: Agents explain Medicare options like Original Medicare, Advantage plans, and supplements, matching them to your health needs, doctors, and budget.
• Plan Comparison: They shop multiple insurers to find cost-effective coverage, including prescription drugs and networks.
• Enrollment Support: Agents handle paperwork, deadlines, and applications to avoid gaps or penalties.
Ongoing Assistance
Agents review plans annually during enrollment periods, as changes occur yearly. They act as advocates for claims issues and updates.
Cost and Compliance
Services are free—agents earn from insurers. Choose licensed, unbiased ones who follow CMS rules and don’t push specific plans.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: If you’re already receiving Social Security retirement benefits when you turn 65, your Social Security payment usually just continues normally; turning 65 does not trigger a new Social Security change by itself. What does happen for most people is Medicare: if you’re already collecting Social Security, you’re typically enrolled automatically in Medicare Parts A and B at 65, and Part B premiums are usually deducted from your Social Security check.