Debra Weber, Medicare Insurance Broker
Debra Weber
Medicare Broker Licensed in PA, DE, FL, GA, MD, NJ, SC and VA
Contact Details
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Location
Schuylkill Haven, PA
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About Me
Hello! I'm Debra, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Debra Weber
What do you enjoy most about working with Medicare clients?
Answer: My goal is to save you money for the coverage that is best for you. I listen to your needs and offer you what is available if I sell it or not. I don't believe in high pressure sales.
How do you educate clients who are completely new to Medicare?
Answer: I keep it simple in layman's terms. If they don't quite understand, I go over it again. I want to make sure that they are completely comfortable with the information received.
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: I always assist my mother after my Dad passed away. I want her to understand completely what her coverage is and any co-pays and deductibles.
Do Medicare Advantage plans really save seniors money in the long run? Why or why not?
Answer: I believe that it depends on the coverage and their needs. Some plans are better than others. It is a very personal decision.
I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?
Answer: Your insurance cannot cancel your policy because of your health. Nor can they raise your premiums because you use the policy more. It would only make a difference if you were to try to change a Medicare Supplement. They could tell you no due to healrh questions . I hope that answered your questions
Is Medicare's coverage for cataract surgery enough, or do seniors still face high out-of-pocket costs?
Answer: It depends on what coverage that you have. Traditional medicare and a supplement you would pay out of pocket max $240.00 in 2025 if you had not met the deductible for part B. Depending on the lenses you choose to replace it ranges from $0 to $4,000 in 2025. Should you need glasses after the removal of the cataract medicare covers the first pair. Mind you, they are basic not designer frames.
With a medicare advantage plan, it depends on your outpatient copays
I'm worried about the 'donut hole' in my Part D plan. How do I manage my medication costs once I enter it?
Answer: As of 2025 once you spend $2,000 out of pocket there is zero cost to you. Your part D plan picks up all costs.
Is paying for a high-end Medicare Supplement plan really worth it, or is it overkill?
Answer: That in my experience is a safety net if you have any health issues. I have heard from many clients of how it covers all of their bills with no out of pocket except for the premium when they went into the hospital. I feel that is a personal decision that needs to fit the individuals needs and price point. With advantage plans you have co-pays and deductibles. With a supplemental you know exactly what your expenses are.
Why do some seniors end up paying lifelong penalties for Medicare Part B or Part D?
Answer: If you do not pick up your part b when first eligible for Medicare you will be charged a penalty whether under 65 or at 65. If you are under 64 and do not pick up part b then, when you turn 65 and pick it up the penalty goes away.
For part d, if you do not pick up a plan when eligible then you have the penalty
Does IRMAA go away automatically if my income drops, or do I need to report it to Social Security?
Answer: The IRMA goes off of taxable income from the IRS, so yes when your income goes down so does the IRMA.
What's a red flag in a phone call that it might be a Medicare scam targeting my personal info?
Answer: If they ask if you received your new medicare card. Do not give out the number. Medicare does not call you unless you ask for a return call.