Chryseis Griffin, Medicare Insurance Broker
Chryseis Griffin
Medicare Broker Licensed in AL
Contact Details
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Location
Sumiton, AL
Chryseis Can Help With:
About Me
Greetings! I'm Chryseis, 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!
Q&A with Chryseis Griffin
I chose Original Medicare to keep my doctors, but now I'm drowning in bills. Should I have gone with Advantage instead?
Answer: While Original Medicare can be a good options, it can definitely be costly without the proper supplement plan in place to offset some of the costs that you are experiencing. A Medicare Advantage does cap those out of pocket expenses in a calendar year, through co-pays, but it could give you some relief on the large out of pocket costs. I would suggest you sit down with a licensed broker who can provide you with both options so that you can make an informed decision about which direction works best for your particular situation.
My kids keep telling me to get a Medicare Advantage plan, but my friends say stick with Original Medicare. Who should I listen to?
Answer: Neither, you should take the time to talk to a licensed broker who can give you all of your options so that you can make an informed decision based on your specific needs. Both options have their pros and cons, but it is best to look at both options and figure out what is best for YOUR needs.
What are the red flags I should look for when interviewing agents? I want to make sure I'm not just getting sold to but genuinely advised.
Answer: Any agent who steers you in one direction to either Medicare Supplements or Medicare Advantage only; only listing the cons without mentioning the pros so you can make an informed decision; any agent who doesn't bother to check your doctors and medications before offering Advantage options; only focusing on the extra benefits without thoroughly going over the plan benefits.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: With an HMO, you are limited to only using doctors within the network of the plan. Because of this, costs tend to be lower overall. A PPO on the other hand, allows you to go in and out of network as long as the out of network provide is willing to bill for services, with out of network services usually being a higher cost.