Daniel Brechin, Medicare Insurance Agent

Answer: This is the reason I sell both Medicare plans and Supplements with PDP drugs.

I personally have a Medicare Advantage plan. Generally it cost my less per year than a Medicare supplement and a PDP. That will increase annually 5% or better.

Answer: I talk to my members and new client telling them I am available to them when needed. I answer questions and advise how to help them deal with problems they may occur.

Answer: I believe that experience is the best determining factor to chose an agent.

I have been a licensed agent since 1995.

I have owned a property & casualty agency. I soon discovered I did not want to be a general insurance sales. I had started writing Life and Medicare. In 1998. Sold my P&C agency for a profit.

Then I worked full time with UnitedHealth care. In 2000 I went to work with HealthSpring as a manager of 15 agents.

In 2018. I took retirement. In 2019 I wanted to work and started Daniel Brechin Agency. I have grown to 500+ clients. I work with 7 major Medicare plans, Included with BCBSAL, Healthspring, UnitedHealth Care, and Devoted.

I help retire with Annuities and represent 3 major companies

Daniel Brechin

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Answer: Medicare does not cover hearing aids. With a Medicare Advantage plan, it may be covered. Varies on plan.

Daniel Brechin

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Answer: I need to let you know. If there is a valid reason. We can file that if not you may enroll Oct 15- Dec 7. You will get a small penalty when you enroll with a PDP.

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Daniel Brechin

Answer: Medicare A&B does not cover Medication drugs. A&B will cover Part B Drugs for special cancer treatments

Daniel Brechin

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Answer: If you purchased a MA plan. It was not explained?

I would like to set down with you and see if I can Help you.

If I can help you

Daniel Brechin

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Answer: I have several Medicare Advantage plans that include dental coverage. I have a plan that also refunds your part B charge. I would be happy to answer your questions.

Daniel Brechin

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I have worked with Medicare enrolled for over 35 years

Thank You

Answer: Seniors need to understand how Medicare works

Depending on your need not what a salesman trying to push.

Answer: Work with the company you are Insured by and the agent can help but, an agent cannot do this directly. Daniel Brechin

Answer: I can help with that if needed. But the authorized person in charge of that will have to do it. As an agent I can assist but I cannot do that.

Answer: Yes, you can have a legal authorization to administer their benefits. This is generally done through a social worker or a lawyer.

Answer: You have an eligibility for 3 months prior to 65 the month of turning 65 and 3 months afterwards to enroll in a plan or part D. You may have a part D penality if you have a period after that and do not enroll in a part D.

Answer: Generally medicines are listed if covered by your plan should be able to look it up or call the company if there are any doubts.

Answer: Aayn Medicare Agent should cover everything including with the program

They should answer any questions a person ask. But if what you want to ask random questions the agent should be able to answer your questions.

Answer: Will depend on what you are taking some may be covered on Part B prescription drugs. Others will be covered on Part A. Depends on the plan you have as to how as to how it will be covered under part A or Part B. It may be covered under D prescription drugs.

Answer: Yes that will get you into a hospital and will cover all part a cost but, not cover Part B. Which is procedures done while in the hospital

Answer: Yes, you may change a supplement whenever you like but not a good decision. I can shop for you on that also.

Daniel Brechin

Answer: Medicare supplement programs have a monthly and are allowed to have an Increase annually only. Daniel Brechin

Answer: Yes there are annual check-up allowed every year. There are many plans that have a 0 cost for primary Doctors.

Answer: Medicare Advantage plans have been working well with its members since 1998. I have been doing Medicare advantage and Supplement plans for 38 years.

Answer: Certain procedures do require prior authorization. The Dr will handle that for you.

Prior authorization is generally handled between the Dr office and the company.

Danny

Answer: I will be able to assist with that. If you need assistance I am always a call from you. Danny Brechin

Answer: I will be there to help you with anything you need to do. With Medicare assistance I will help you

Answer: The cost of each individual is dependent on income. Is based your income allowed you to receive Medicaid if your income for an individual drops to the range for Medicaid you may also get additional benefits

Answer: Yes, the plans all have changes based on Federal Medicare rules. If you have questions each year I will be available to assist and make sure the plan you have chosen to meet with you annually to review the next year plans changes. Also, you receive changes on the plan you have chosen will let you know ahead of the 10/15 Annual enrollment change

Answer: I will not know all of the changes till October 1 2025 for 2026 plans. If I can help please let me know. Danny Brechin

Answer: L am licensed in Several states I would be happy to set down with you and review at no cost. Please let me know If I can Help you. I also have a selection of supplement plans.

Answer: Plans run alike all plans are guaranteed for 1 year. January to December. They automatically renew each year

Answer: Plans some have a network and some do not have a network. I represent the top 5 plans in Alabama, Florida and Tenn.

Answer: Generally the benefits are not taxable. They also have a Max out of pocket. I would like to show you the different plans.

Answer: medicare Advance plans cover Part A and Part B

They also cover Part D at no monthly premiums

Danny Brechin

Answer: Medicare Advantage plans generally have no monthly premiums depending on where you live.

Regular has no limits on what you can spend in parts A&B. And have a Part D drug plan including in the program.