Duane Lutgring, Medicare Insurance Agent
Duane Lutgring
Lutgring Medicare and Retirement Advisors
Medicare Agent Licensed in IN, AL, AR, AZ, CA, CO, FL, GA, IA, KS, KY, LA, MD, MI, MN, MO, MS, NC, NV, OH, PA, SC, TN, TX, VA and WI
8+ Years of Experience
Contact Details
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Location
Indianapolis, IN
Duane Can Help With:
About Me
Greetings! I'm Duane, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Duane Lutgring
I turned 65 in August 2026 and applied for Medicare Part B on October 4. What happens if my application is still pending when I retire on November 30, 2026?
Answer: If your Part B application is still pending when you retire November 30, you could have a gap in coverage if your employer insurance ends before Medicare starts. I'd contact Social Security now to check your application status and confirm your Part B effective date so you're not left without coverage.
Will the cost of Eliquis be high or lower if I have Medicare a and b and GEHA high option? As you can see I don't have D and I get my script at CVS.
Answer: Medicare Parts A and B don't normally cover Eliquis from CVS, but your GEHA High Option plan includes prescription coverage, so you may not need a separate Part D plan. What you pay depends on GEHA's drug coverage and whether CVS is a preferred pharmacy, so I'd check with GEHA before assuming it'll be expensive.
My mom has been in the ICU for 3 weeks on a ventilator, and the hospital wants to move her to a long-term care hospital. Does Medicare cover that, and how is it different from a nursing home?
Answer: Yes, Medicare generally covers a long-term care hospital if your mom meets the medical requirements, and her costs will depend on her coverage. Unlike a nursing home, a long-term care hospital provides hospital-level treatment for patients who still need serious medical care, such as help coming off a ventilator.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can be confusing, and a good, experienced agent can help you understand your options and find a plan that fits your health needs and budget. Best of all, their guidance doesn't cost you anything extra, and you'll have someone to call when you have questions or need help!
I just got Medicare Part A, and I'm worried about hospital stays. How do I know if my overnight stay will be covered fully?
Answer: Just because you stay overnight in the hospital doesn’t mean Medicare considers you an inpatient, so always ask if you’ve been officially admitted. Medicare Part A covers inpatient hospital stays, but you may still have a deductible and other costs.