Cory St. Etienne, Medicare Insurance Broker
Cory St. Etienne
Wealth Haven Financial & Insurance Group, PLLC
Medicare Broker Licensed in FL, KY, LA, ME, MI, NC, SC and TX
Contact Details
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Serving
St. Augustine, FL
About Me
Hi, my name is Cory and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
You can contact me directly to schedule a free consultation by phone.
Q&A with Cory St. Etienne
I picked a Medicare Advantage plan based on the low premium, but now I'm facing high copays. Did I make a mistake?
Answer: It's an often asked question. I do not believe you made a mistake. Medicare Advantage plans have both in some cases premiums and co-pays depending on your plan. The premiums are the monthly cost depending on the plan and the co-pays are the usage costs as I would call it. Medicare plans have a "Pay as you use" type of model. However, most Medicare plans cost less in the long run than a Medicare Supplement plan. Plus, Medicare Advantage plans bundle your health, prescription, dental, vision, and other benefits into one plan which can save you some money since you will not have to get separate policies for health, dental, vision or other benefits covered by Medicare you might want. Furthermore, if you have both Medicare and Medicaid you are getting your benefits in some cases with no premium payments or co-pays.
How will the Inflation Reduction Act's Medicare drug pricing changes really affect seniors?
Answer: The act made changes designed to lower cost and gives provisions to give financial security to Seniors. It is designed to lower specific high cost drugs and puts a cap on what you pay for medications.
What is Guaranteed Issue for Medicare Supplement plans, and when does it apply?
Answer: Basically, it is protection to prevent insurance companies from denying medicare coverage or medicare supplement coverage known as Medigap or charge higher monthly payments due to prior existing health issues. It bypasses medical underwriting.
My income fluctuates significantly year to year from investment distributions. How can I avoid IRMAA surcharges when I have an unusually high-income year?
Answer: Well, honestly to lower IRMAA surcharges after making a lot in a particular year caused by variations in investment distributions there are some strategies you can make or consider.
I would first consider filing an appeal using a form SSA-44 if your income is high due to a one time event and your income has lowered since then. You can file this SSA-44 with Social Security. It would allow for a re-evaluation of your IRMAA situation based on the conditions of your change in life circumstances or income. I would also consult with a Health Insurance Licensed broker that can go over all your options in more detail.
How does Medigap Plan K compare to Plan G for someone on a tight budget?
Answer: After careful thought on this question. I would say Plan K May be a good option if you want lower monthly premiums and you don't mind sharing cost until you attain the out of pocket limits. However, Plan G is also good if you don't mind predictable costs and you can afford the higher premium cost to avoid unexpected medical bills.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: I helped a family of 3 on 3/25/25 find a plan with the medicare benefits they were looking for and assisted them with the enrollment process. I had to explain their level of benefits they were approved for and help explain the new coverage they were going to recieve with their new plan.
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: First find a licensed Health insurance broker and fill out a Scope of Appointment form so that the licensed broker can answer all your medicare questions and give you free no obligation consultation regarding your health insurance needs and help you through the enrollment process if you wish to proceed.