Denise Johnson, Medicare Insurance Agent
Denise Johnson
Eastern Health and Life Ins. Services LLC
Medicare Agent Licensed in NC, FL, ME, SC, VA and WV
15+ Years of Experience
Contact Details
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Location
Winterville, NC
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Phone
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Website
About Me
I am a seasoned Independent Insurance agent with a specialization in insurance for those who qualify for Medicare. With more than 15 years of experience under my belt, I am adept at guiding my clients through the often confusing world of Medicare.
I provide a non-biased review of your unique needs, ensuring you receive a plan tailored to YOUR individual requirements.
When I'm not assisting clients with their insurance needs, I am an active member of the community, a fitness enthusiast, and a proud mother and wife. "Your Health Your Plan, Your Choice!"
Q&A with Denise Johnson
I'm getting conflicting information about whether Medicare covers my specific medication. How can I get a definitive answer?
Answer: The best way to get a definitive answer is to check your plan's drug formulary or call your specific Medicare Drug or Medicare Advantage plan directly. Coverage can vary by plan, dosage, pharmacy, and the reason the medication is prescribed.
What do seniors often misunderstand about Medicare's coverage for long-term care?
Answer: Many people are surprised to learn that Centers for Medicare and Medicaid services Medicare generally does not cover long-term custodial care, such as ongoing nursing home or assisted living care. Medicare mainly covers short-term medically necessary care and rehabilitation, not permanent help with daily living activities.
I don't understand how my friend pays nothing for their plan and I pay over $200-are these plans just totally random by ZIP code?
Answer: No, they are not random--Medicare plan costs can vary a lot based on your zip code, the type of coverage you have, your medications, income level, and whether you have Medicare Supplement or a Medicare Advantage plan. Two people can live in the same area but have different healthcare needs and end up with very different plans.
What do you enjoy most about working with Medicare clients?
Answer: I enjoy helping people feel less overwhelmed and more confident about their healthcare choices. It's really about the clients and what is best for each on individually. I also love building long-term relationships with clients and being someone they can call when they have questions or need help in navigation through all the changes that happen with Medicare.
Does Medicare cover stress tests, EKGs, or echocardiograms?
Answer: Yes, when they are considered medically necessary and ordered by your doctor. Your costs will depend on whether you have Original Medicare, a Medicare Supplement, or a Medicare Advantage plan.
Should I keep original Medicare or go with an Part C, Medicare Advantage plan? What is better?
Answer: There's not one that's "better" for everyone--it depends on your doctors, medications, budget, and how you prefer to receive care. Original Medicare offers more flexibility, while Medicare Advantage plans often include extra benefits and lower upfront costs.
Do I need to notify Medicare or Social Security if I move to a new address?
Answer: Yes, you should notify both Social Security Administration and Centers for Medicare Services when you move to a new address. Updating your address helps make sure you continue receiving important Medicare and Social Security notices, bills, and plan information without interruption.
Can I change my Supplemental/Medigap plan at any time?
Answer: You can apply to change your Medicare supplement plan at any time during the year.
In most cases, you will need to answer health questions.
Approval is not guaranteed unless you qualify for a special situation.
I'm turning 65 in three months but still working with employer coverage. Do I need to sign up for Medicare right now or can I wait?
Answer: If you are still working and have employer coverage, you may be able to delay enrollment in Medicare.
If your employer has more than 20 employees, you can usually delay Medicare part B without a penalty.
If there are more than 20 employees, Medicare usually becomes primary and enrolling in Part B is recommended.
It's important to review your current coverage so your transition into Medicare happens smoothly and with no penalties
What are the reasons why I should work with a Medicare agent?
Answer: Navigating your Medicare options can be confusing. One of the best reasons to work with a Medicare agent is that you will have help in comparing all of your options-no cost, no obligation-so you can truly pick a plan that fits your individual needs.