Cyle Gillman, Medicare Insurance Broker
Cyle Gillman
Northern Michigan Health Insurance+
Medicare Broker Licensed in MI
Contact Details
-
Location
Prudenville, MI
Cyle Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello, I'm Cyle, 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 Cyle Gillman
I'm worried about the 'donut hole' in my Part D plan. How do I manage my medication costs once I enter it?
Answer: In 2025 the donut hole as it was known went away. They introduced a maximum out of pocket expense for covered prescriptions of $2000.00 and a Prescription Payment Plan, which allows you to spread the cost of your medications over the year.
This amount did increase for 2026 to $2100.00 for covered prescriptions. As long as your medication is covered on your providers formulary your expenses won’t exceed this amount.
My friend gets SilverSneakers with her plan and I don't-how are we both paying for Medicare and getting such different stuff?
Answer: Extra benefits are going to depend on the type of plan you have and your carrier. Medicare supplement and advantage have numerous different options. While “extras” are great benefits to explore, your agent should be working with you first to verify your medications and providers are covered and in-network with your plan.
Once you’ve verified plans that cover your specific situation, you’ll then want to see what extra benefits those plans will provide.
When can I change my Medicare Advantage Plan?
Answer: Medicare Advantage plans can be changed during Annual Enrollment, One time during Open Enrollment and one time for Special enrollment periods.
Annual Enrollment runs from October 15 - December 7 of each year.
Open Enrollment runs from January 1 - March 31 of each year. You may make one change; this is allowed because occasionally a beneficiary faces a “surprise”, Dr leaves their network, medications aren’t covered etc.
Special Enrollment periods can include moving outside of your coverage area, diagnosis of chronic conditions, being institutionalized, etc.
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: Essentially it’s not a matter of whether you’re paying or not, it’s how you’re paying.
Supplement plans come with monthly premiums, but depending on the plan you have, your additional costs throughout the year are very easy to predict.
With advantage plans, most don’t have an additional premium, but you pay as you see doctors, get treatment, are hospitalized, etc.
Most of the time, it comes down to how you want to pay for your coverage and what you’re most comfortable with.
Second to that, you’ll want to verify you have coverage for the medications you’re taking, by reviewing your plans formulary; whether you’re using an advantage or standalone part d plan.
Unless an advantage plan has a part B giveback, or you qualify for other assistance in paying for part B, you’re not going to avoid that monthly premiums; so essentially no coverage is free.
How can my Medicare plan still meet my needs if my health changes?
Answer: Depending on what has changed with your health, you may be eligible to switch your plan through a Special Enrollment Period (SEP). A SEP allows mid year changes under certain circumstances, to ensure that your plan still meets your needs if those needs have changed considerably since you signed up for it.
Is my Medicare deductible supposed change from year to year?
Answer: Medicare deductibles do change annually. If you are referencing Medicare Part A and Part B (Original Medicare) This is what those deductibles have looked like since 2020.
2020 A $1,408 B $198
2021 A $1,484 B $203
2022 A $1,556 B $233
2023 A $1,600 B $226
2024 A $1,632 B $240
2025 A $1,676 B $257
If you have a Medigap or Supplement plan one or both of these deductibles may be covered.
If you have a Medicare Advantage plan, your deductible will be set by that carrier and can vary from plan to plan.