Collette Rance, Medicare Insurance Broker
Collette Rance
A-HA! Insurance
Medicare Broker Licensed in FL, GA, MA, MD, NC, SC, TX and VA
Contact Details
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Location
Mount Dora, FL
About Me
Hello, I'm Collette, 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 Collette Rance
What do you enjoy most about working with Medicare clients?
Answer: HA! Good question. What I like most about working with Medicare clients is that moment when I see the stress leave them. So often, there is so much information coming at them from so many directions, my clients are on information overload and feeling the stress of making a decision. Once we get started and we start to sort through information, I can see the relief. So many of the ads are designed to create a sense of urgency and starts people into the panic mode. It is so not necessary. When you take things one at a time and methodically go through them it's not overwhelming. Then you make sound decisions based on current information and your particular circumstances.
Can I temporarily add travel or out-of-state coverage options?
Answer: Medicare has specific enrollment dates, and choices are typically made for the calendar year. However, members of advantage plans are covered for emergency services throughout the US, regardless of in- or out- of network coverage. Additionally, you can purchase additional coverage with indemnity plans that are not tied to any Medicare plan for things like reimbursement for doctor visits, ambulance service, or hospitalizations. You could also purchase traveler's insurance; generally purchased through travel agents in my area. Hope that helps.
How do you get paid, and does it affect the plan you recommend?
Answer: As an independent agent, the insurance company pays me when I bring them clients. They are restricted by Medicare how much they can pay per policy, and this can vary by state. In my area (Florida) companies mostly pay the maximum allowed. This gives me the objectivity to find the best fit for a client's needs and budget without considering my wallet into the equation. As long as I find a solution for my client, I will be taken care of, regardless of the option chosen. But as a consumer going directly a company, you will not be offered a lower price or better coverage.
I keep hearing about free preventive services with Medicare. What exactly is free and what will I still pay for?
Answer: Good morning. Here is the listing that comes from Medicare for "preventative" services. If you would like additional information about each service,
Abdominal aortic aneurysm screenings
Alcohol misuse screenings & counseling
Bone mass measurements
Cardiovascular disease screenings
Cardiovascular disease (behavioral therapy)
Cervical & vaginal cancer screenings
Colorectal cancer screenings
Blood-based biomarker tests
Colonoscopies
Computed tomography (CT) colonography
Fecal occult blood tests
Flexible sigmoidoscopies
Multi-target stool DNA tests
Counseling to prevent tobacco use & tobacco-caused disease
Depression screenings
Diabetes screenings
Diabetes self-management training
Glaucoma screenings
Hepatitis B shots
Hepatitis B virus (HBV) infection screenings
Hepatitis C virus screenings
HIV screenings
Lung cancer screenings
Mammograms (screening)
Medical nutrition therapy services
Medicare Diabetes Prevention Program
Obesity behavioral therapy
One-time “Welcome to Medicare” preventive visit
Pre-exposure prophylaxis (PrEP) for HIV prevention
Prostate cancer screenings
Sexually transmitted infections screenings & counseling
Shots:
COVID-19 vaccines
Flu shots
Hepatitis B shots
Pneumococcal shots
Yearly "Wellness" visit
Will Medicare cover everything my current employer plan does?
Answer: The short answer is " that depends". Medicare covers what is "medically necessary" as defined by CMS (Centers for Medicare & Medicaid Services). If you are looking for a specific service, here's a good place to start:
Are there any guidelines I should follow when filling out my Medicare application?
Answer: I'm not sure whether your question relates to the timing of application or something else. But Medicare has a pretty plain English section for getting started.
How can insurance companies afford to offer Advantage plans with $0 monthly premiums?
Answer: When someone joins an advantage plan, Original Medicare is no longer responsible for that person's medical care, so it transfers the money set aside for that to the company on a monthly basis. This includes the Part B premium that the person pays as well.
Can I switch from a Medicare Advantage plan to Original Medicare with a Medigap plan mid-year if I’m diagnosed with a serious illness?
Answer: Not for Medigap plans. SEP's are specifically for Medicare Advantage plan. You could switch to a Medicare Advantage plan designed for a diagnosed Chronic Condition such as diabetes, COPD, etc.