Doris Youngman, Medicare Insurance Agent
Doris Youngman
Medicare Agent Licensed in FL, AL and GA
Contact Details
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Location
New Port Richey, FL
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Phone
Doris Can Help With:
About Me
Hello, I'm Doris, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Call me at 727-207-3103 to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Doris Youngman
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: If you have not already applied for Medicare, do it right away. It takes about 30 days to obtain your Medicare card from Social Security.
You can go in person to your local Social Security office to apply, call Social Security at 1-800-772-1213, or thirdly, go on to the SSA.GOV website and apply online.
How do you educate clients who are completely new to Medicare?
Answer: I ask what they are wanting in a Medicare plan, who their doctors are, and the medications they take. I also explain the difference between Medicare Supplement and Medicare Advantage plans as well as drug coverages.
What is the biggest disadvantage of the Medicare Advantage plans?
Answer: In many cases, you get what you paid for. You get money back? You get groceries? Why groceries in the health insurance plan?
Disadvantage is the network and referrals. Most cases, referrals are needed to see specialists. Depending on the insurance company, you have NO selection of a specialist because the primary care doctor sends you to his/her buddy. No choice in the matter.
If you go with a PPO plan, you do have the freedom to call any doctor that takes your plan or outside your plan if you are willing to pay more than an in network specialist.
If you have a chronic issue like diabetes, cancer, some arthritic conditions, it is cheaper in the long run to purchase a Medicare Supplement plan.
I just got a $300 bill for an ambulance ride I thought was covered. Am I the only one who didn't know Medicare doesn't pay for all emergency transport?
Answer: Depending on your insurance plan, you pay what is owed according to the plan.
If you didn't have insurance, you would be paying a lot more.
How can I make sure I'm not overpaying for my Medicare plan, and are there any tools or resources you recommend?
Answer: Start with a list of things you want in your plan. Names of doctors you see and the medications you take.
Check the doctors to see what plans they take.
Do you have a chronic condition such as: Diabetes, Heart issues, breathing issues. If so review plans that give you special benefits for these chronic diseases.
Compare prices. Don't think price is the only criterion. It is one but not the only one. Ask yourself, do you want to be chained to the Primary Care Provider in an HMO even if the $$$ is enticing?
Research the websites of the plans you are considering or get a licensed agent to assist you in your final selections.