Clare Goyette, Medicare Insurance Agent
Clare Goyette
Absolute Best Insurance
Medicare Agent Licensed in FL, GA, MO, NC, SC and VA
Contact Details
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Serving
Apollo Beach, FL
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Phone
Clare Can Help With:
About Me
Hello, I'm Clare, 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 needs. While I am local, I hold licenses in VA, NC, SC, GA, MO and TN.
My main focus is Medicare and Long Term Care. Being properly covered is very important for your needs today and for the future.
Allow me to navigate the array of plans available from Major Insurance companies on your behalf. I will cut through the noise and provide a thoughtful and logical course for your Medicare coverage. I can also help you with your initial Medicare application, retiring and exiting employer coverage as well as Social Security.
My services for you are provided free of charge! Contact me to discover your Medicare insurance choices and don't forget to mention that you discovered me on Medicare Agents Hub!
A proud member of NABIP and LPRT (Leading Producers Round Table) Soaring Eagle for 2026.
Directions to My Office
Q&A with Clare Goyette
Answer: Coverage is limited to the insurance network on Medicare Advantage plans for psychologist or psychiatrist, no for social workers unless under a dual eligible program.
Answer: I have created a compliant Medicare 101 education program in PowerPoint form or pdf. I conduct a thorough needs analysis and present the best options for each client.
Answer: First your doctor makes a recommendation for a procedure or service and then the Medicare Advantage insurance company has to approve it. Referrals may not get approved or take several submissions to get approved. Original Medicare allows more freedom of access to care.
Answer: The overall satisfaction comes from making them feel comfortable and secure in their insurance coverage for today and their future. It’s very unsettling to be forced to compare medical care access every year, sometimes more frequently during the year.
Answer: Most use these benefits. The prices in the insurance company catalogs are not usually well priced. The benefits can be accessed at a physical store or through the carrier portal.
Answer:
I firmly believe the High Deductible G Medicare Supplement plan is the best value for anyone turning 65 or moving into Medicare from employer insurance.
Be open to obtaining prescriptions from non insurance sources for optimal savings.
Answer: When possible, I always prefer working the first time in person if possible. I do like Zoom, it allows me to set up all files to share ahead of the appointment. The shared screen option allows the client to verify the application information as I enter it. Either method works well, the challenge going forward is more and more elderly clients have stopped driving or cannot use technology.
Answer: I begin AEP planning in July. Last year I sent a postcard for pre-planning, this year I will utilize Constant Contact for AEP updates, then send each client a letter the first week of Sept.
Answer: That rule depends on the Medigap company and your state rules. Down grading from a G to an N normally would not require underwriting.
Answer: No, the best Medicare coverage for today and the future is a Medicare Supplemental policy. Consider looking at the HDG, High Deductible version to save premium costs and still have the freedom to choose your own care.
Answer: An agent can present all options for the best coverage to suit your needs today and in the future. An agent is up to date on all special enrollment periods.