David Williams, Medicare Insurance Broker
David Williams
Ginger Hill Life and Health
Medicare Broker Licensed in OH
Contact Details
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Location
Utica, OH
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Phone
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Website
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About Me
After over 30 years in the fire service—retiring as a Deputy Fire Chief—I’ve carried my passion for helping others into a new chapter: helping seniors navigate their Medicare options with confidence.
Medicare can be confusing, but it doesn’t have to be. I offer clear, honest guidance to help you find the plan that fits your needs—without the pressure or sales pitch.
You’ve spent your life taking care of your family—now let me help take care of you.
Q&A with David Williams
Why is regular Medicare better than an advantage plan?
Answer: I am not sure regular or original Medicare is better than an advantage plan, at least not for all people. Medicare advantage helps the beneficiary limit their financial exposure and opens them to an increased level of managed care. For instance, original or regular Medicare becomes an old school 80/20 plan after the part A and Part B deductibles are met but that 20% that the beneficiary is responsible for has no limit. In the end the Medicare advantage plan has a max out of pocket to protect the beneficiary.
What do you like most about being a Medicare agent?
Answer: What I most like about being a Medicare agent is helping people. Right as I started Medicare my father in law got sick. He was on original Medicare and we were shocked by the high cost of the hospital and nursing home stay. This really brought my focus to getting people in the right situation and helping them with financial and health security.
I'm on an expensive specialty medication. Will the 2025 Part D changes help someone in my situation?
Answer: It’s a great question and without some more information I can’t clearly answer you.
Although, insurance carriers are slowly starting to roll out plan information in the next month or so. If you would like to schedule an appointment we can discuss where you are and look into the upcoming changes to get you I the right plan.