Elea Sherrod, Medicare Insurance Broker
Elea Sherrod
Healthy Halo Insurance Services Inc
Medicare Broker Licensed in CA, AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV and WY
26+ Years of Experience
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Burbank, CA
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About Me
Hi! My name is Elea, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Elea Sherrod
What tier is Repatha on Medicare Part D formularies?
Answer: Repatha appears to be a brand name medication and may be in a higher tier. Each carrier has it's own formulary and it is best to search your specific carrier to see if the medication Repatha is covered and what the tier would be.
I don't understand how my friend pays nothing for their plan and I pay over $200-are these plans just totally random by ZIP code?
Answer: The plans are specific to where the member lives, the state, home zip code and county. Not all plans are available in every area. Also, there are plans based upon Medicaid eligibility and Income of the member.
I'm getting conflicting information about whether Medicare covers my specific medication. How can I get a definitive answer?
Answer: The best way to find out if Medicare Part D Medication medication is covered is to view the plans formulary. You should have the name of the medication, dosage, how many you take daily and how often you get it filled. This is the best way to find out if the Medication is covered.
What is the best way to compare Medicare plans for my parents?
Answer: The best way to compare Medicare Plans is to speak with a licensed agent. We are specifically trained to assist your parents in choosing the best plan for their specific needs. We don't push plans but review available plans in their area and make recommendations. Medicare is confusing however we make it simple.
What do you like most about being a Medicare agent?
Answer: I love helping seniors and medicare eligible make informed choices about their healthcare. It can be confusing. I recently helped a dear friend that was on medicare due to a disability but his friends told him he did not need a prescription drug plan or a medicare plan, just use GoodRX. He had been healthy for a few years, just a back injury. He was suddenly diagnosed with cancer and did not qualify for Medicaid because of his income. His cost for treatment became real and he did not have a prescription drug plan. He reached out to me right before the end of AEP and I was able to help him get a plan and he was able to continue his treatment, same doctors and hospital. As an agent I give all options and allow the person to decide what is best for them.
I picked a Medicare Advantage plan because of the dental and now I found out it only covers cleanings. Why didn't anyone tell me this upfront?
Answer: The details should be in the Summary of Benefits and your agent should have reviewed this with you. Sometimes those details are overlooked. You can always purchase a separate dental plan, there are many available. You just missed the Open Enrollment Period Jan 1 - March 31 to make any changes so you will have to wait until October 15 - December 7, which is the Annual Enrollment Period.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: If you are turning 65, still working and enrolled in employer coverage in some instances you can delay enrollment in Part B.
How much will I have to pay out-of-pocket for therapy?
Answer: If you are on Original Medicare and therapy is medically necessary it would be covered under Part B. Generally, you will pay a deductible then 20% coinsurance, the deductible for 2026 is $283. With Original Medicare there is no maximum out of pocket.
What are the reasons why I should work with a Medicare agent?
Answer: Because Medicare is confusing especially when you are turning 65 and have had your employer pick your plan for you. There are time sensitive activities you must do and many choices available. An agent has been annually trained to assist you in making decisions based on your specific needs. Agents are sincere and caring and want to help you make the right choice.
When is a good time to start preparing for AEP?
Answer: Start preparing for AEP in September or early October. Gather your medications, doctors and what you like in a plan so that you can discuss with your agent. There are a lot of plans that are not renewing so it is important to know what you want in a plan.