Craig Livers, Medicare Insurance Broker
Craig Livers
Medicare Broker Licensed in IN
Contact Details
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Location
Indianapolis, IN
About Me
Over the last 20 years thousands of people have entrusted me to assist them with their Medicare plan choices. I treat each and every person like family and there is never a charge for my services. Plan benefits change every year and I stay on top of all of them so I can assist you in selecting the best plans that fits your needs!
Q&A with Craig Livers
My friend gets SilverSneakers with her plan and I don't-how are we both paying for Medicare and getting such different stuff?
Answer: Medicare does not offer gym memberships. Some Medicare advantage plans and supplements include gym membership as an additional benefit.
I picked a Medicare Advantage plan because of the dental and now I found out it only covers cleanings. Why didn't anyone tell me this upfront?
Answer: Did you enroll in the plan yourself or did an agent help you? If you enrolled yourself then you did not read enough about the dental benefits to understand what was covered. If an agent helped you enroll he or she should have explained the dental benefit in more detail and he or she did you a disservice.
Make sure to use a local agent that you trust when making any Medicare plan decisions. You may be eligible for a special enrollment period (SEP) to change plans.
What's one tip for balancing affordability and personalization when finding the best Medicare options?
Answer: Find a local agent or broker that is licensed and knowledgeable of many different plan options. He:she will help you find the plan that best fits your needs and budget.
What are the signs that it's time for me to switch my Medicare plan, and how often should I review my options?
Answer: Each persons needs arei different and there are many reasons why you may want to change plans. Examples include: your doctor not being in the provider betwork, rising costs of prescription medications, dental, vision and hearing coverage and icopays for doctor visits and hospital stays.
Due to the wide variety of plan options you should review your plan benefits annually during the open enrollment season.
How do you educate clients who are completely new to Medicare?
Answer: I specialize in helping people that are new to Medicare. I speak in plain simple English and will make sure all of your questions are answered. Once you have enrolled in Medicare, then I will assist you in selecting the most appropriate Medicare plan that fits your needs.
After the enrollment I will always be available to answer questions, assist with any problems that may arise and show you new plans year after year.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: A local. Licensed agent will, in most cases be more knowledgeable about the plans available in your area. Having someone in your back pocket like me will mean better customer service and sone that always responds to questions and phone calls when needed.
How does the Part D "catastrophic coverage" phase work once I hit the out-of-pocket max?
Answer: Due to Inflation Reduction Act, you out-of-pocket maximum expense for prescription medications in 2025 is capped at $2000. In 2026, your maximum out-of-pocket expense will be $2100.
What do you like most about being a Medicare agent?
Answer: I enjoy guiding seniors through the Medicare maze so they can enjoy their golden years instead of stressing about the details.
I take great pleasure in utilizing my 18 years of experience to find the plan that best fits your needs!