Edward Givens, Medicare Insurance Broker
Edward Givens
HealthMarkets
Medicare Broker Licensed in AZ, CA, CO, CT, DC, FL, GA, IL, MD, NC, NM, NV, OR, SC, TX and VA
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Tempe, AZ
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About Me
I'm a United States Military Academy graduate with 15+ years of experience in the healthcare industry. I have developed a consultative style that educates people about the healthcare options they have available to them. Most people find health insurance selections confusing and frustrating. My process allows you to examine your current situation, helps you identify your desired situation, and then as a team, we will work the plan you select to ensure it fits your budget and meets your needs at every step. If this process sounds good to you, please reach out. I'd love to have a conversation with you.
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Q&A with Edward Givens
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Medicare plans can change yearly. Not reviewing coverage during the Annual Enrollment Period (Oct 15–Dec 7) can mean staying in a plan that no longer fits your needs or budget. Some people who continue to work past 65 assume their employer coverage is sufficient and delay Medicare enrollment, not realizing this could lead to penalties or coordination of benefits issues.
What is one of the the most common misconceptions people have about Medicare?
Answer: Medicare covers everything.”
People are often surprised to learn that Medicare doesn't cover dental, vision, hearing aids, or long-term care. These gaps can lead to major out-of-pocket expenses if not planned for. “Medicare is free.”
Many believe that once they turn 65, Medicare won’t cost anything. While Part A is usually premium-free, Parts B, D, and supplemental plans come with monthly premiums, deductibles, and co-pays.
What is the biggest disadvantage of Medicare Advantage?
Answer: Limited Provider Networks
Unlike Original Medicare, many Medicare Advantage plans have restrictive networks. You may not be able to see your preferred doctors or go to certain hospitals unless they’re in-network.
Prior Authorization Requirements
Many Advantage plans require prior approval for services or procedures, which can delay care and add extra administrative hassle.
Unexpected Out-of-Pocket Costs
While premiums may be lower, Medicare Advantage plans often have higher copays and coinsurance for certain services, and the cost can add up—especially if you have chronic conditions.