David Silver, Medicare Insurance Agent
David Silver
Dave Silver Insurance
Medicare Agent Licensed in FL, NJ and NV
Contact Details
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Location
Lakewood Ranch, FL
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Phone
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Website
David Can Help With:
About Me
Hey there, my name is David, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with David Silver
What's one Medicare decision that too many people regret later?
Answer: They choose plans based on extra benefits and are not focused on the health and drug coverage components.
How do you educate clients who are completely new to Medicare?
Answer: I keep things simple and explain all options.
I asked a series of questions that insure that I make appropriate recommendations based on how the questions are answered.
Do Medicare Advantage plans really save seniors money in the long run? Why or why not?
Answer: You can save money with Medicare Advantage in most situations. However if you are in need of Part B drug treatment long term, Medicare Advantage can be more expensive than straight Medicare and a supplement. Also if you take expensive prescriptions you need to be careful, as well.
Does Medicare Advantage cover acupuncture or alternative therapies in some plans?
Answer: Sometimes. It depends on your plan. Medicare Advantage plans can cover acupuncture and other alternative therapies. Medicare Advantage offer additional benefits, such as coverage for acupuncture and other complementary therapies.
I thought I was covered during my snowbird months in Florida, but apparently not. What kind of plan do I actually need for that?
Answer: If it's an emergency or urgent care situation, your Medicare Advantage HMO and PPO and Medicare supplement will cover you.
If it's non emergency care that you need and you will probably want to have a Medicare Advantage PPO coverage, because you will be covered both in and out of network(out of network will cost more) and you will not need referrals.
Ideally, you should have Medicare Supplement coverage, because with this coverage you get get care from any provider that accepts Medicare. You never have to worry about networks and you can get care in any state.
How will the new 2025 Medicare Part D out-of-pocket cap impact seniors and prescription drug costs?
Answer: If you take alot of prescriptions or take some expensive prescriptions, your spending will be capped at $2000.00 (this does not include your monthly premium for the drug plan) This can be a huge savings compared to what you may have paid in 2024.
Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?
Answer: Because you never have to worry about ANY network restrictions. You can use Medicare in all 50 states and US territories. So if you're a frequest traveler or have residences in multiple states, having straight Medicare and a supplement(Medi-Gap)makes getting care much easier.
Most drug plans have very large national retailers in their network. So getting prescriptions in other states is easy with a stand alone Part D drug plan or through a Medicare Advantage plan.
I'm on Original Medicare with no supplement, and I'm wondering how much I'd pay if I need an ambulance ride to the hospital tomorrow.
Answer: If you have not reached your Part B deductible it should cost you between $350.00-$400.00
If you have already met your Part B deductible than it should cost between $100-$150.00