Denise Berg, Medicare Insurance Broker
Denise Berg
My Life & Health Solutions
Medicare Broker Licensed in CO, AL, AZ, CA, GA, KS, LA, MD, MO, MT, NM, NV, OR, PA, TX, UT, WI and WY
Contact Details
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Location
Conifer, CO
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Phone
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Website
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About Me
Since 2015, My Life & Health Solutions has served Conifer and the surrounding Colorado communities by protecting the people we work with just like we protect our own family members.
“We do not offer every plan available in your area. Currently we represent 8 organizations which offer 37 plans/products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.”
Q&A with Denise Berg
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The biggest mistake that I see those newly eligible for Medicare is not comparing the benefits of Medicare Advantage plans with those of Medicare Supplement. If you apply for a Medicare Supplement plan when you're first eligible, there's no underwriting and you are given an opportunity to leave it and try out a Medicare Advantage is the Medicare Supplement is not beneficial or not a good fit.
What’s your go-to strategy for helping someone decide between Medicare Advantage and Medigap?
Answer: My strategy is to explain each and ask follow up questions like;
a) Do you travel within the US and do you reside in another state for 6 months?
b) Do you want the freedom to see any doctor?
c) How do you feel about copays?
d) Would you rather have one card to access your all of your benefits?
e) Would you prefer not to have a schedule for preventive services that limits exams?