David Resnik, Medicare Insurance Agent
David Resnik
Charter Financial Group
Medicare Agent Licensed in MA and FL
Contact Details
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Location
Framingham, MA
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Phone
David Can Help With:
About Me
Licensed insurance agent since 2013. Affiliated with American Senior Benefits (ASB), a nationwide insurance marketing company headquartered in Austin, TX, through its affiliate, Charter Financial Group. David works with his clients in Florida and Massachusetts to find the right products and services to create a sound financial future for them and their families. I represent 11 carriers and 59 plans in Massachusetts. No charge to assist you finding and comparing your Medicare plan options.
Q&A with David Resnik
Will my prescription drugs be covered under any plan I choose?
Answer: Most people are not aware that there are two approaches to solving the Medicare puzzle. If you enroll in Original Medicare, Part A coverage includes costs of drugs supplied during a hospital stay. Part B (the part that costs most people each month) does not include coverage for outpatient prescriptions. That means you should also enroll in a stand-alone Part D plan to cover outpatient prescriptions.
If you enroll in a Medicare Advantage plan, which replaces Original Medicare and its options, you may pay nothing additional more than the monthly Medicare premium and also receive similar prescription coverage as above - but your costs may actually be lower. These are 100% private insurance plans and some are not-for-profit
I take care of my elderly parent. Can I get paid as their caregiver?
Answer: In most states, the answer is yes. There are several government programs to arrange this. For example, you may be paid through Medicaid to act as PCA, if they qualify for Medicaid in your state AND you help with daily tasks. If the family member is a veteran, there are programs to allow them to use their VA benefits to hire you to care for them. And if you live with the relative(s), you may be eligible to receive a monthly stipend - tax-free! I'd need more specific information about the situation to explain further.
Can I use HSA funds to pay Medicare Supplement (Medigap) premiums?
Answer: If you are age 65 or older, you are permitted to use your HSA to pay for MOST Medicare premiums. And this is not taxable to you. However, you may not use your HSA to pay for Medicare Supplement premiums. After you enroll in one or more parts of Medicare A, B, C, or D, the IRS rules stop you from putting away additional money in your HSA. You can even reimburse yourself for premiums you paid in the past, as long as you can prove you paid them.
Are there churches or community organizations in my area that help with Medicare questions?
Answer: A licensed, independent health insurance agent who is licensed to write Medicare policies (and charges you nothing) is your best and most objective resource. While every state has a local State Health Insurance Program (SHIP), their staff are volunteers with limited time to spend with clients. PLUS they are not licensed agents who are allowed and trained to research your specific healthcare situation. Independent agents are required to undergo extensive annual training and examinations, as well as training from individual carriers they represent. I always recommend avoiding a generic resource such as a SHIP when you have access to a no-charge independent agent who is willing to devote the time you need to make the right decision when it comes to Medicare questions.
What are the reasons why I should work with a Medicare agent?
Answer: The market today is too complicated and changing to simply rely on what someone else says or their personal situation because everyone is different. You don't know what you don't know. That may sound cliched but although you are probably expert at what you do, you are not a licensed insurance agent and trained by each insurance carrier you are allowed to represent. We go through a lot of training to maintain our knowledge. Besides, we do not charge for this service - by law.
Will private hospitals accept Medicare plans?
Answer: Most private hospitals will accept private Medicare plans. If you have Original Medicare and/or a Medicare Supplement as well, nearly all private hospitals nationwide should work for you. However, if you have a Medicare Advantage plan (replaces Original Medicare and Supplement and Drug plan) then the answer is, it depends. These 100% private plans have their own networks of participating providers. Some of these networks are nationwide but most are more limited in area.