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

Location

Wesley Chapel, FL

Cory Can Help With:

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.

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Q&A with Cory St. Etienne

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.

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.

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.

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.