Kent Arrington, FICF, CSSCS, Medicare Insurance Broker
Kent Arrington, FICF, CSSCS
Arrington Financial Solutions, LLC
Medicare Broker Licensed in LA
23+ Years of Experience
Contact Details
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Location
Ball, LA
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Phone
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Website
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Facebook
About Me
I meet with my clients at my office in Ball, in a face-to-face setting, and I offer a wide range of robust Medicare plans including MediGap (Supplement), Medicare Advantage, and Prescription Drug plans - providing personalized service to meet specific healthcare needs. I have 22+ years' experience specializing in Medicare and Medicaid benefits. Medicare can be tricky and at times overwhelming. Knowing all your options is the first step to choosing the most cost-effective plan in confidence. Contact me today for a free Medicare review and honest advice!
You can also shop plans in your area, by clicking on my webpage, then click on the Explore Plans button. When you find something you like, you can Self-Enroll or call me to set an appointment date and time.
Directions to My Office
Q&A with Kent Arrington, FICF, CSSCS
I just enrolled in Medicare, and I've got my Part A and B, but I'm hearing there are gaps in coverage. What are these gaps exactly?
Answer: The gaps in Medicare are actually too numerous to list here.
You can go to the website listed below to see what the actual gaps are and how they may affect you.
In my opinion, it would be in your best interest to actually sit down with a local broker and go over these gaps, and discuss ways you can avoid having to pay them. Take the time to be proactive and do your research.
https://www.medicare.gov/basics/costs/medicare-costs
Is paying for a high-end Medicare Supplement plan really worth it, or is it overkill?
Answer: Most people go with a Medicare Supplement plan when they are intending to travel the country extensively. If you are the type of person that hates to pay a copay every time you go to the doctor or have a procedure done, then the Medicare Supplement will be more to your liking. You pay a monthly premium with a Part B copay at the beginning of the year, and then you generally have no other copays to worry about. But that depends on the Supplement you go with. Some supplements do have copays, so you would need to meet with a broker to decide what is best for you. The Medicare Supplement will also allow you to know exactly what you will have out of pocket for the year. But, it may not be right for a person with a low income, or on Medicaid.
Are cataract surgeries covered by Medicare?
Answer: Medicare does cover cataract surgeries as long as it is for the basic replacement lens. Most providers try to up sale you on more expensive lens, that is not covered by Medicare, and is 100% your responsibility.
Isn't it suspicious that Medicare Advantage plans offer gift cards and incentives to enroll?
Answer: Gift cards are not offered by insurance companies as an incentive for enrollment in their plans. This practice would be considered illegal by Medicare. If an agent is offering gift cards to enroll, then you need to find another agent that does not do these things.
There are 4 things that Medicare does not mandate that an insurance company provide to their clients. Those would be Over the Counter benefits, Dental, Vision, and Hearing benefits. Insurance companies provide these things with most Part C plans because they know that those areas are instrumental in the overall health of medicare beneficiaries. Even though the Flex card is used with these plans it a vital benefit for beneficiaries, and certainly not a gift card!
What role do annuities play in retirement planning?
Answer: An annuity gives you the ability to grow your nest egg into the future, without risking your money in the markets, with possible losses. So in other words, risk-free gains. You can also use income riders to guarantee a future income that you cannot outlive.
I'm turning 65 in three months but still working with employer coverage. Do I need to sign up for Medicare right now or can I wait?
Answer: If you are going to continue to work and keep employer health coverage, then you should just sign up for Medicare Part A, and wait on Part B. There is no point in paying the Part B premium and your health coverage at work at the same time. When you finally decide to retire and kick the employer health plan to the curb, then you should sign up for Part B, to get your open enrollment started for signing up on a med supp or an MAPD plan of your choosing. You should also check with your Human Resources to make sure that is what they recommend as well. They generally have more experience in this matter, and coordinating your coverage with enrollment in Part B to your advantage.
Who can help me figure out this Medicare "maze and alphabet soup" it's so confusing.
Answer: There are several ways to figure this out. The first, is to go to Medicare.gov and download the Medicare and You: 2026 publication. Medicare puts a lot of information in this booklet, that should be of great value to you in figuring out what Medicare actually is, and how it does things. The second step is to meet with an agent (preferably face-to-face) that has knowledge of the different insurance plans available in your area. That agent should be able to help you straighten out the maze and drain the soup. If he can't, then you may want to find an agent that can. Don't feel bad about sitting down with more than one agent. You have to find the agent that helps you understand things the best.
What are the reasons why I should work with a Medicare agent?
Answer: A medicare agent is generally very well versed in the plans that they offer to their clients. They will also be familiar with how the different plans work within their service area. Being able to meet face-to-face with that agent will let you get to know and build trust with them.
Is occupational therapy covered by Medicare Advantage with UnitedHealth?
Answer: United Health Care does cover occupational therapy in their Medicare Advantage Plans. The copay associated with that therapy varies from plan to plan.