Debbie Coufal, Medicare Insurance Agent

About Me

Independent Insurance Agent with 12+ years of experience. It gives me joy to help people navigate Medicare and make the process simple.

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Q&A with Debbie Coufal

I have Medicare Advantage with a PPO, and I'm curious if my annual wellness visit is free or if I'll owe something for it.

Answer: Wellness visits are typically 100% covered with Medicare Advantage plans, both PPO and HMO. However, I would have to look at your plan specifically to confirm. You should be able to call the customer service number on the back of your card to confirm specifically with your insurance carrier.

How do you stay up to date with changes in Medicare policies and plan options each year?

Answer: It's important to have a good Medicare Agent you trust to help keep you up to date with all the changes.

What do you like most about being a Medicare agent?

Answer: I enjoy working with Medicare clients and helping them navigate the Medicare world!! I have formed so many wonderful friendships with my clients.

Is occupational therapy covered by Medicare Advantage with UnitedHealth?

Answer: Occupational Therapy Services are covered by Medicare, therefore covered by Medicare Advantage. However, copays may apply depending on the specific plan.

I keep hearing about free preventive services with Medicare. What exactly is free and what will I still pay for?

Answer: There is an extensive list of preventative services that Medicare covers under Medicare Part B. You can find that list on Medicare.gov.