Doreen Barnes, Medicare Insurance Agent
Doreen Barnes
Absolute Best Insurance
Medicare Agent Licensed in FL
Contact Details
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Serving
Micco, FL
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Phone
About Me
Hello, my name is Doreen Barnes your local and trusted Medicare advisor. With so many changes in Medicare, I am here to provide personalized, 5-star customer service through a zero cost, no obligation, non-biased consultation. I will help you find a plan tailored to your needs, whether it is a Medicare Supplemental, Advantage, Part D, or insurance for Dental, Vision, Hearing, Life, Disability, Cancer and more. Let's schedule a time that works for you. I look forward to being your go-to source for all of your insurance needs. Mention that you found me on Medicare Agents Hub!
Q&A with Doreen Barnes
When is a good time to start preparing for AEP?
Answer: Your current Insurance carrier will send out your plans Annual Notice of Change (ANOC) by September 30th. Once you receive the ANOC you should review it and write down any questions that you may have. You can start preparing as early as October 1st and can enroll in a plan beginning October 15th through December 7th. It is best not to wait until the last days of the annual election period so that you are not rushed into making a decision.
I'm confused by all the star ratings for Medicare plans. Do they actually mean anything for the care I'll receive?
Answer: The 1 to 5 Star Ratings provide a gauge of how a particular Medicare Advantage and Prescription Drug plan is preforming. These ratings are based on several factors. They are based on 1) Feedback from beneficiaries enrolled in the plan, 2) Information gathered from providers and hospitals within the plan, 3) Complaints that Medicare (CMS) receive about the plan and, 4) How long a beneficiary stays in the plan and/or how quickly they disenroll from the plan. The higher the star rating the better the plan is preforming.
Why did I receive a Medicare Summary Notice, and what should I do with it?
Answer: You receive Medicare Summary Notices (MSN) to provide you with a detailed breakdown of services you have received and billed to Medicare. It will show you what Medicare has paid and what may be owed. It is important that when you receive the MSN that you review and monitor it for errors and/or potential fraud. If you find errors or claims that you disagree with you can use and reference the MSN to file an appeal within 120 days of receiving it.
Can my Medigap insurer terminate my policy?
Answer: A Medigap policy can be terminated by Policy-issuer for primarily three reasons. 1. Policyholder/beneficiary fails to make policy even if accidently or oversight. 2. The Insurer becomes insolvent or bankrupt. 3.) Material misrepresentation or fraud by the beneficiary on the application.