Danielle Moody, Medicare Insurance Broker
Danielle Moody
Complete Life and Health Coverage, LLC
Medicare Broker Licensed in FL, AK, AL, AZ, IA, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, ND, NE, NV, OR, PA, SC, SD, TN, TX, UT, VA, VT, WI, WV and WY
Contact Details
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Location
Port Charlotte, FL
About Me
Hi, I'm Danielle, your dedicated Medicare Broker! With a strong focus on Medicare, I’m here to help you find the perfect plan that fits your unique needs and budget. With years of experience in Medicare products, my goal is to simplify the process for you, educating you on your options and making sure you feel confident about your decisions. As an independent agent, I offer unbiased guidance, working with many top-rated insurance companies to ensure you have a variety of plans to choose from that meet both your healthcare and financial goals. Best of all, my services come at no cost to you!
Reach out to me and let's discuss your Medicare options. Be sure to mention you found me on Medicare Agents Hub!
Q&A with Danielle Moody
What are the reasons why I should work with a Medicare agent?
Answer: Ypu should work with an agent because we can make sure all of your providers are in network, we can work with the insurance company for any claim related questions.
We also work with multiple insurance companies so we can make sure you are getting the best plan with the best benefits for your situation.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Most of them are free, in addition to your Medicare Part B premium that you are ready paying and most of them offer many more benefits that original Medicare doesn't cover.
I'm a smoker trying to quit. What smoking cessation benefits does Medicare offer for someone in my situation?
Answer: That would actually depend on what type of Medicare Advantage Plan you have and if they offer that benefit. Orignial Medicare does not offer that benefit.
My friend says the new Medicare drug payment plan in 2025 will help with her expensive medications. Would it help me too?
Answer: Hi, That is something that an agent could talk with you about and go over all of your medications and see if the payment plan is a good fit for you.
What's your go-to strategy for helping someone decide between Medicare Advantage and Medigap?
Answer: I like to do a thorough needs assessment and go over all options with my clients to determine which plan options are best for their situation. Sometimes, depending on income, travel, and other factors, it makes a big difference.
Does IRMAA go away automatically if my income drops, or do I need to report it to Social Security?
Answer: IRMAA is reevaluated annually based on your income from two years prior. If your income has dropped, or if you experienced a life-changing event like a job loss or the death of a spouse, you can appeal the IRMAA determination and potentially have your premiums lowered.
How do you stay up to date with changes in Medicare policies and plan options each year?
Answer: Your plan mails out an Annual Notice of Change (ANOC) by the end of September every year, you need to carefully review this document and if the changes don’t meet your needs you should contact your agent to review a new plan. You should meet with your agent every year to make sure your current plan still meets your needs of if you need to consider changing plans and/or carriers.
Can I be denied for a Medicare Supplement plan?
Answer: A person could be denied a Medicare Supplement (Medigap) plan for several reasons, especially if they are applying outside of their Medigap Open Enrollment Period. Here are some common reasons for denial:
1. Medical Underwriting
Outside of the 6-month Medigap Open Enrollment Period (which starts the month you're both 65 or older and enrolled in Medicare Part B), insurance companies can ask health questions and use medical underwriting. Based on your answers, they may:
Deny your application entirely
Charge a higher premium
Impose waiting periods for coverage of pre-existing conditions
2. Pre-Existing Conditions
If you have serious health issues such as:
Congestive heart failure
End-stage renal disease (ESRD)
Cancer (currently under treatment)
Recent stroke or heart attack
… you may be declined coverage depending on the insurer’s underwriting guidelines.
3. Missed Guaranteed Issue Rights
You may be denied if you:
Lost other coverage and didn’t apply during your guaranteed issue window
Delayed signing up for a Medigap plan after a qualifying event
These rights only last for a short time, and if you miss them, underwriting can be required.
4. Incorrect or Incomplete Application
Mistakes or omissions on your application can lead to delays or denials.
5. You’re Under Age 65 and on Medicare
In some states, insurers are not required to offer Medigap plans to people under 65 on Medicare due to disability or ESRD.
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Take time to compare all your options—don’t assume the same plan your friend or neighbor has is right for you. Look at your current health needs, medications, preferred doctors, and budget to choose the plan that fits you best.
And remember—Medicare isn’t one-size-fits-all. Review your coverage every year during Open Enrollment because plans and personal needs can change
What role do you think technology will play in the future of Medicare?
Answer: The Future of Medicare and Technology:
Easier Access to Care
Telehealth lets people see doctors from home.
Remote monitors track health (like heart rate or blood sugar) and alert doctors if something’s wrong.
Lower Costs & Faster Service
Computers can handle paperwork and spot billing errors.
AI can help doctors predict health problems before they get worse.
More Personalized Treatment
Digital health records help doctors work together.
Future tech may offer treatments based on a person’s genes or health history.
Less Fraud
Smart systems can catch unusual charges or fake claims more quickly.
New Challenges
Medicare rules will need updates for new tech.
Some seniors may need help using digital tools.
In short:
Technology will help Medicare be more efficient and personalized—but it needs smart rules and support so everyone can benefit.
Let me know if you want this in bullet points, slides, or a visual.