Dru Bailey, Medicare Insurance Agent
Dru Bailey
KMS Financial Group
Medicare Agent Licensed in FL, AL, GA, SC, TN and WV
Contact Details
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Location
Fernandina Beach, FL
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Phone
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Website
About Me
Dru Bailey was born in West Virginia however she relocated to the Sunshine State in 1990, which she now calls “home”. Dru is the proud mother of three beautiful children. Dru has worked in the field of Insurance for over 26 years encompassing a variety of talents and skills. She has spent time in administrative work, client service and has even worked in claims. It is her diverse background in the insurance industry that makes her an invaluable resource for her clients. She chooses to remain in insurance, after all these years, because she loves building relationships with her clients and helping them make informed decisions so they can live a secure and profitable life. Helping clients alleviate worries of the unknown and maintain their lifestyles, is priority one!
Q&A with Dru Bailey
Does Medicare pay 100% of my hospital bill, or will I still owe money after a hospital stay?
Answer: Traditional Medicare does not pay 100%. If you are inpatient days 1-60 you would pay a flat fee for facility charges, plus the part B deductible and 20% of Dr. fees tests and procedures.
We’re selling our primary residence with 3-year owner financing, a balloon payment, and about $200,000 in gain. How would the monthly payments affect our Medicare premiums if we file jointly?
Answer: If your taxable income goes up, you could invite an Irma adjustment, the more you make the more your part B premium will be.
Are $0 premium Medicare Advantage plans really free?
Answer: The plans typically do no charge you an additional monthly fee. However you are still responsible for the Part B premium.
I have Medicare Parts A and B and drug coverage through my wife’s employer plan. Could I face a Part D late-enrollment penalty later?
Answer: No. Group coverage as good as Medicare will prevent a penalty. It is a good idea to see if Medicare part D would save money on prescription.
How do the Medicare Advantage plan call centers get my number? How can I stop them from calling me?
Answer: The list of people turning 65 are sold. You can add your phone number to the National Do Not Call List, ask them to take you off the list. And do not fill out information online for a free quote.
Can I suspend my Medigap policy instead of cancelling it if I go back on an employer plan or qualify for Medicaid?
Answer: No, but once you loose employer coverage you will get a special election period. So you can get a new supplement with guaranteed issue.
How do I find a Medicare agent licensed in both Colorado and Florida who can help snowbirds choose a Medicare Supplement plan?
Answer: Look on line, check various websites, to find a match for you. Ask friends for referrals, attend Medicare workshops.
What are the reasons why I should work with a Medicare agent?
Answer: We make things easier, we know about all the different plans. We have tools to shop plans for you. We can access the provider directories easily as well as prescriptions. You can call us for help and questions as well.
How is Medicare Advantage expected to evolve in the future?
Answer: These plans changed a little bit every year according to what Medicare does. They are required by Medicare to be as good or better than regular Medicare. They are different in each location as well.