Danny Radisewitz, Medicare Insurance Broker
Danny Radisewitz
Pioneers Advisors
Medicare Broker Licensed in SD, IA, MN and ND
Contact Details
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Location
Sioux Falls, SD
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Phone
Danny Can Help With:
About Me
Happy New Year! I am excited for 2025 for many reasons! #1 I like helping folks with their Medicare journey and with all the new changes I plan to be very busy! Medicare is all I do! You might say it is my area of expertise. I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
P.s- If you would like any assistance with enrolling in Medicare Part A or B, let me know!
Q&A with Danny Radisewitz
What do you enjoy most about working with Medicare clients?
Answer: No situation is the same! The folks we work with have individual needs that are different from their friend, family and experts around the water cooler. We help navigate a path with you to guide our clients on what's most important to them.
How do you educate clients who are completely new to Medicare?
Answer: We host Educational Workshops that allow folks turning 65 a chance to hear questions that most people have but are too afraid to ask!
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The people who get frustrated the most are the ones that listen to too many friends and family and get overwhelmed with the direction they should go. We ask questions and listen...and support your decision to follow a path that you comfortable with.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: It depends! We are careful to use " depends" in a Senior discussion! Lol!
Enrolling in a premium free Part A Medicare could penalize someone who is trying to maximize their Tax Free accumulation goal. However, in most cases enrollment in Part A is a good strategy if there is no Health Savings Account available for our clients. Enrolling in Part B and keeping your Employee Group Coverage or disenrolling is a complex and should only be made after meeting with a highly competent Medicare licensed agent.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: We have done hundreds of Medicare meetings and workshops! In all of our experiences we have learned this very important bit of knowledge " it's not what you know that gets you into trouble, what get most folks turning 65 in trouble is the things they think they know...that ain't so"! Trust but verify! We enroll our clients in both Original Medicare with Supplemental Health and Prescription Plans and Medicare Advantage Plans everyday. So, pick a path that you fell great about, not what others might think best for you.
I have multiple medications; how can I ensure my Medicare Part D plan covers them all without breaking the bank?
Answer: Selecting the best Prescription Plan without breaking the bank doesn't have to be hard! Sitting down with a knowledgable agent who can explore different plans that are available in your area and then explain how certain plans are designed for folks with different needs. The average Medicare Beneficiary takes four maintenance medications daily. Most of those are Generic and are low cost. However, if you are taking a Brand medication that you see on TV often, your plan will usually be much different. Having a relationship with a knowledgeable agent is always the best solution to Selecting an affordable plan!
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: Communication is key! Be a good listener and ask them frequently " How do you feel?"
Be understanding! Considering retirement, enrolling in Social Security and Medicare can be overwhelming.
I just got Medicare Part A, and I'm worried about hospital stays. How do I know if my overnight stay will be covered fully?
Answer: The answer to your question about whether your Hospital stay will be covered in full will depend on if you currently have any additional coverage i.e- Employee Group Coverage or Veterans Administration Benefits. If someone only has Medicare Part A you will first have to pay a large deductible that varies each year. If you have Employee group coverage you will either pay the Part A deductible first OR be responsible for your Hospital deductible that you selected.
I've been diagnosed with prediabetes. What preventive services does Medicare cover to help prevent progression to type 2 diabetes?
Answer: Its always a tough when you hear about any diagnosis from a Health Care professional regarding Diabetes. If you watch the news at all, you know that any Diabetes related health condition is serious and effects a large part of our population. Medicare provides several "Preventive Services'" that come at low or no Out of Pockets costs. Medicare Diabetes Prevention Program (MDPP) is a comprehensive One Time health behavior change program is available to help you prevent Type II diabetes. Common services like Diabetes Screening and monitoring, Medical Nutrition, foot exams and Hemoglobin A1C, Glaucoma Screenings as well as "Welcome to Medicare" preventive visits are design to address your diagnosis and prevent it from getting worse! Your Medicare agent can educate you on what is available to you! If you are new to Medicare you will love it!
I'm a low-income senior who can't afford my prescription drugs even with Medicare Part D. What specific assistance programs should I apply for?
Answer: I loved the short answer to this question Apply for LIS/Extra Help! Its easy to do, it doesn't take long and if you are not eligible "NO BIG DEAL"! You don't need to go to any government office and set a future appointment. Just APPLY! You won't regret it!