David Tedrow, Medicare Insurance Broker
David Tedrow
Senior Health Insurance Brokers, LLC
Medicare Broker Licensed in NC, CA, FL, GA, SC and VA
Contact Details
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Location
Durham, NC
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Phone
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Website
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Facebook
David Can Help With:
About Me
My mission is to help you select the most appropriate Medicare option and plan for your situation and then to stand by you. Remember, as an independent broker I work for you!
Directions to My Office
Q&A with David Tedrow
How can I verify if a Medicare Advantage plan's advertised benefits are legit?
Answer: Check the plans Evidence of Coverage. Call current clients who have had the plan previously to verify benefits.
What's your go-to strategy for helping someone decide between Medicare Advantage and Medigap?
Answer: If you can afford it Original Medicare with a Medigap plan and PDP is the most ideal coverage as it increases your access to care and eliminates Prior Authorization.
My pharmacist mentioned the Medicare "donut hole" is going away in 2025. What does that actually mean for me?
Answer: If you enroll in a Part D Prescription Drug Plan that has your drugs on its formulary, you will not have to pay retail for your prescription medications after the deductible period. In addition your Maximum out of pocket has been reduced from $8,000 to $2,000 ($2,100 in 2026).
Don't you think Medicare should ban all those celebrity Medicare Advantage commercials?
Answer: No. We live in a free society. I just wish for the following two things; people were more discerning regarding their choices and carriers had more integrity.
Can I change my Supplemental/Medigap plan at any time?
Answer: Simple answer is yes. However if it is past the open enrollment period and there is no "Birthday Rule" then you must pass underwriting.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: It all depends on their employer's size (small vs. large) and EGHP (credible vs not credible) and if they are contributing to a HSA. There is no one size fits all answer to this question.
I've had the same Part D plan for years, but this year my insulin shot up in price. Did the Inflation Reduction Act not fix this yet?
Answer: The IRA capped insulin costs — but it didn’t guarantee that your specific insulin would stay covered by your specific plan.
That’s why long-time plans can suddenly become bad fits.
Can you just have A and B and not enroll in anything else and still have good coverage?
Answer: A & B alone is legally valid Medicare — but financially dangerous for most people.
It’s like driving a nice car with no collision insurance.
What do you enjoy most about working with Medicare clients?
Answer: Having the opportunity to connect with people and reach clarity about complex topics gives me great satisfaction. Knowing that I can really help someone with their life matters.