Darryl Gideon, Medicare Insurance Broker
Darryl Gideon
HealthMarkets
Medicare Broker Licensed in TX, AZ, CA, CO, FL, GA, IA, KS, LA, MI, MO, NE, NM, NV, OH, SC and VA
Contact Details
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Serving
Pecan Grove, TX
Darryl Can Help With:
About Me
Greetings! I'm Darryl, a Medicare insurance broker dedicated to serving your local area. I have developed a consultative style that educates people about the healthcare options they have available to them. Most people find health insurance selections confusing and frustrating. My process allows you to examine your current situation, helps you identify your desired situation, and then as a team, we will work the plan you select to ensure it fits your budget and meets your needs at every step. If this process sounds good to you, please reach out. I'd love to have a conversation with you.
Directions to My Office
Q&A with Darryl Gideon
What do you like most about being a Medicare agent?
Answer: I am truly blessed to be helping older people. I am to give care and due diligence in my thought process to help you as an individual and not just another $$ money case. I can rest well knowing that the people I help are not getting just any type of service, but care and compassion comes with it. I was able to drive for 1hour in heavy traffic today to person to sign a new client up. The reason being is she is legal blind and sign up over the phone was not working for us. When I close my eyes tonight, I know she got grade A treatment and service.
My income fluctuates significantly year to year from investment distributions. How can I avoid IRMAA surcharges when I have an unusually high-income year?
Answer: IRMAA is triggered by modified adjusted gross income(MAGI), as reported to the IRS, typically based on tax returns from two years prior. So, a spike in investment income in a single year can lead to higher Medicare Part B and D premiums- even if it’s a one-time event.
Request a Reconsideration: Use Form SSA-44 to ask Social Security to adjust or waiver IRMAA based on a life-changing event- like retirement, job loss, or cessation of a business. Note: investment gains alone don’t qualify unless tied to a qualifying event.
Income Planning: Strategically manage investments to reduce taxable income(e.g., using tax-efficient funds, Roth conversions before age 65
Delay Distributions: if possible ,postpone large withdrawals or capital gains to future years- or spread them out to avoid spikes.
Use deductions Wisley: offset gains with deductible expenses if eligible- especially charitable contributions or loss harvesting.
File promptly after the Change: If your income drops following a spike, file for reconsideration as soon as the life change is documented.