Christina Campbell, Medicare Insurance Agent
Christina Campbell
Bankers Life
Medicare Agent Licensed in OH, IN, KY and MI
10+ Years of Experience
Contact Details
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Location
Fairborn, OH
About Me
Greetings! I'm Christina, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Directions to My Office
Q&A with Christina Campbell
Can green card holders get Medicare?
Answer: Green card holders can qualify for Medicare just like U.S. citizens. The key requirements are being 65 or older (or disabled) and having lived in the U.S. as a lawful permanent resident for at least 5 continuous years. If they or their spouse worked and paid Medicare taxes for 10 years, Part A is typically premium-free. Otherwise, they can purchase Part A and pay the standard Part B premium.
What is the trap of Medicare Advantage plans?
Answer: One potential drawback of an MAPD plan is that provider and hospital networks can change. While members generally must use in-network providers for the lowest costs, plans may add or remove doctors, specialists, and hospitals from their network during the year, which can affect access to preferred providers.
Another important consideration is skilled nursing facility (SNF) coverage. Many MAPD plans provide $0 copay for the first 20 days of a covered skilled nursing stay (such as rehabilitation after a hospital admission). However, for days 21 through 100, members typically have a daily copay that can be around $210 per day, depending on the specific plan. A longer rehabilitation stay can therefore result in significant out-of-pocket costs.
Another potential drawback of an MAPD plan is that if you leave a Medicare Supplement (Medigap) plan, such as Plan G, Plan N, or Plan F, you may not be able to get the same plan back later. In many states, unless you have a guaranteed issue right, you may be required to go through medical underwriting and answer health questions. Depending on your health status, you could be denied coverage or charged a higher premium. Before leaving a Supplement plan for a Medicare Advantage plan, it is important to understand your state's rules and whether you would be able to return to a Medigap plan in the future.
What's an underrated benefit of Original Medicare that many people overlook?
Answer: The underrated benefit of original Medicare is the fact that you can go to any doctor or hospital all across the country.
How do I find local Dentists that take my Medicare coverage?
Answer: There are several convenient ways to find a dentist or provider. You can create an account through the online portal or use the mobile app on your phone or tablet. Then go to the “Find a Dentist/Provider” tool available through your insurance plan. You can also reach out to your agent for assistance. Finally, you can call the customer service number listed on the back of your insurance card for help.
What should I look for in a Medicare plan if I travel frequently both domestically and internationally?
Answer: Medicare coverage is mostly limited to the U.S. (including territories). So, I would look for a Medicare Supplement Plan G, High - deductible Plan G, Plan N or a Medicare Advantage PPO if traveling within the USA.
Medicare Supplement coverage Plan G, HG, N will have some foreign medically necessary emergency care services for the first 60 days you are outside of the USA.
Outside the U.S., coverage is very limited—only in rare situations like emergencies near the border or when a foreign hospital is closer than a U.S. one.
Because of this, many people buy travel medical insurance for trips abroad. Some Medigap plans may help cover emergencies overseas.
Important notes:
Prescription drugs bought outside the U.S. aren’t covered.
Some travel vaccines are covered under Part D.
Always check your plan details before traveling.