David Koller, Medicare Insurance Broker
David Koller
Healthmarkets
Medicare Broker Licensed in UT, ID and NV
Contact Details
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Location
Hurricane, UT
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Phone
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Website
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Facebook
David Can Help With:
About Me
Greetings! We are Dave and Lisa, Medicare insurance agents dedicated to serving your local area. Medicare and family health plans are our area of expertise, and we're committed to helping you pinpoint the most suitable plan for your individual needs and budget. we'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, our assistance comes at absolutely no cost to you. Check out our google reviews...highest rated in the state!
Q&A with David Koller
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Local Medicare agents know the plans and how they work in the area with local providers and facilities. We can tell you the plans our clients like best. You can also look at our google reviews and best of all...it costs you nothing but saves you alot.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: We are there for our clients and we are known for answering our phones. One client had a very expensive medication that she could not afford. We helped her ask the right questions to her provider and she found out about a pharmaceutical grant to pay for her medication.
How do I compare Part D plans to minimize costs for a mix of generic and specialty drugs?
Answer: We use a medicare tool that compares your list of medications and tells us which plan is the best based on those specific medications.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: It depends and your specific situation...there are pros and cons to each and we discuss them so you can decide which is best for you.
Can I change my Supplemental/Medigap plan at any time?
Answer: Yes and possibly no...it depends on your situation. Are you eligible for a guarantee issue period or could you be underwritten? We can discuss and determine to see what your options are.
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Not speaking with a local experienced agent with good reviews. Other seniors will tell you thru reviews if the agent is good or not. Find a no-pressure, knowledgeable agent and it will be a good experience and you will have someone to speak with year in and year out with concerns and questions.
How can I get dental and vision coverage with Medicare?
Answer: Many Medicare Advantage plans include dental and vision. You can also get separate dental and vision if you have a supplement.
What's the most cost-effective way for a healthy 65-year-old to structure their Medicare coverage?
Answer: It all depends on your situation and needs. Most senior beneficiaries save money by enrolling in a Medicare Advantage Plan in their area but that may or may not be what is best for them specifically.
How do you educate clients who are completely new to Medicare?
Answer: We go through a brief slide show to educate them on how medicare works and what options are available to them....this helps them decide when presenting their options.
I'm turning 65 soon, when can I enroll in Medicare?
Answer: You can enroll 3 months before the month of your birthday, the month of your birthday or three months after the month of your birthday. Most people sign up for both Part A (Hospital Insurance) and Part B (Medical Insurance) when they’re first eligible (usually when they turn 65). Generally, there are risks to signing up later, like a gap in your coverage or having to pay a penalty. However, in some cases, it might make sense to sign up later. If you sign up for medicare prior to the month of your birthday, Medicare will start on the 1st of the month of your birthday unless your birthday is on the first of the month, then it will start on the first of the month before the month of your birthday.