Cleo Martin, Medicare Insurance Agent
Cleo Martin
Medicare Agent Licensed in SC, AL, FL, GA, MI, NC and TX
Contact Details
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Location
Myrtle Beach, SC
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Phone
About Me
Greetings! I'm Cleo, 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 at 803-730-8368 today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Cleo Martin
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: I would apply for my medicare card. Then i would learn the difference between regular medicare and a medicare advantage. Then you cn decide which is better for your situation.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: With a Medicae advantage PPo you have a greater choice of doctors in the network, and can go out of the network if who you want to see is not in their network. If out go out of the network it will cost you more per visit. With a HMo you have a more limited amount of doctors that are in the network. You may or may not e able to go out of the network.
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: I would find out how long they have been selling Med supps and Medicare Advantages and why they like this market. I would also have them explain the difference between the two. Can they do it in a way that you understand stand it. I would also like to know how many companies they represent. If just one then that's all you will get told about. They should also be asking you questions about your doctor's, like their names. Plus the drugs you are taking and what your specific health situation is. They should be asking questions to find out what your enrollment situation is. The health situation will tell them what you may or may not qualify for. By getting these questions asked hopefully it will give you a better feel of the agent and if they can assist you or not.
Cleo Martin
Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?
Answer: Yes, because you don't have to worry about networks for doctors and hospitals. You also don't have to worry if you have traveling benefits.
I applied for a Medigap plan and got denied because of my health history-how is that even legal when I've paid into Medicare for years?
Answer: Medicare and a Medicare supplement are 2 completely different things. Medicare is what you paid into. A Medicare supplement is from a private insurance company. They have underwriting questions that you have to be able to answer correctly or they can deny you. They are completely separate things. The supplement works with Medicare to pay what Medicare doesn't pay. Medicare is what you paid into all these years. A Medicare supplement is something you have to purchase. Different companies have different questions so depending on your health situation, you may or may not be able to by one. Hope this helps explain.
Cleo Martin
803-730-8368
What is the biggest disadvantage of Medicare Advantage?
Answer: The biggest disadvantages to a Medicare Advantage is the limited network for the doctors and hospitals and the fact that it it managed care. The insurance companies are making decisions about how you will be treated. They can deny a treatment if they don't feel it is necessary. With the networks, what if your doctor you want to see is not in their network? Plus you have a large out of pocket for maximum out of pocket (moop).
Cleo Martin
803-730-8368
I'm on Original Medicare with no supplement, and I'm wondering how much I'd pay if I need an ambulance ride to the hospital tomorrow.
Answer: You would pay 20% of the approved amount. It would be hard to k ow exact amount because it would depend on what was billed by provider.
My friend says the new Medicare drug payment plan in 2025 will help with her expensive medications. Would it help me too?
Answer: You can set up the patient payment plan with your prescription company at any time to help pay for the cost of expensive drugs. They will divide the cost by number of months left in the year, then enter you a bill each month to pay for them. It can change each month because of another prescription added.
As a senior, what should I know about the differences between Original Medicare and Medicare Advantage before I choose?
Answer: With Original Medicare you pay a premium each month. Then depending on the plan you pay the deductible. After deductible is paid then Medicare pays it part and the supplement pays the rest of what is owed. There are NO networks for doctors or hospitals, so you can go to who ever you want without a referral. Now the premium on Medicare supplement can go up each year as you get older but as long as you pay the premium you can't be canceled. There is no dental or Hearing benefits, and no silver sneakers. With Medicare Advantage it is managed care by insurance companies. Usually there is no premium but a cost everything you use it. Be it a specialist, trays, MRI's?, hospitals. There is maximum out of pocket you would pay each year. Your doctors and hospitals need to be in their network. They do give you dental, vision, hearing and some other benefits. Drug benefits are included with MA, you have to buy a separate drug card with original Medicare. These are some of major differences.
Cleo Martin
803-730-8368