Elliott Klepner, Medicare Insurance Broker
Elliott Klepner
Medicare Broker Licensed in FL
Contact Details
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Serving
Boynton Beach, FL
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Phone
Elliott Can Help With:
About Me
Hello! I'm Elliott Klepner, your trusted Independent Medicare Broker in Palm Beach, Martin, St Lucie, and Broward counties. As a Senior(76 years old)and veteran with over ten years of experience, I have helped hundreds of seniors understand the complexities of Medicare. I specialize in Medicare and work with 15 national and local carriers, offering over 50 plans. My passion lies in helping you select the ideal plan that caters to your needs and budget, all while providing a convenient service that saves you time and effort. Best of all, I provide my services at no cost or obligation to you.
I can also help you with life insurance, long-term care alternatives, and wealth accumulation.
Contact me to discuss your Medicare choices, and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Elliott Klepner
Answer: Absolutely not. You will still need Life Insurance. Medicare is not Life Insurance; they are two different things.
Answer: Medicare Advantage plans do work in rural areas. However, there are fewer choices, and the networks are smaller than in populated areas.
Answer: Medicare covers Skilled Nursing Facilities for the first 20 days, and then there are copays depending on your plan. Unfortunately, Medicare does not cover long-term care. There are Insurance policies and Annuities that can be used to cover long-term care.
Answer: There are two widespread misconceptions concerning Medicare. The first is that Medicare is free. There are copays and premiums. In addition, you must have worked 40 quarters to be eligible for no premium Part A (Hospital), and you must pay a premium for Part B (Doctor) and Part D (Drugs). The second is that Medicare covers all phases of your Medical needs. Medicare does not pay for vision, hearing, or dental. You must have a separate plan for these or enroll in a Medicare Advantage Plan (Part C).
Answer: Many people think that Medicare covers long-term care (LTC). Unfortunately, Medicare does not cover LTC. Medicare covers Hospitals, Doctors, and Prescriptions. In some states, Medicaid is a separate program that helps with LTC expenses.
Answer: The biggest disadvantage of Medicare Advantage plans is that doctors can opt out of the plans' networks. An independent Medicare agent can help you choose the best plan for your needs.
Answer: As we age, our bodies naturally get weaker and we have health issues. The best way to plan ahead for Medicare costs is to pick a good plan that you can afford. An independent Medicare agent can help you plan for your future needs.
Answer: Some Medicare Advantage plans have a monthly premium, and some do not. However, you must pay your monthly Medicare "Part B" premium, which is $185.00 in 2025 and will increase to approximately $206.50 in 2026. Some Medicare Advantage plans have a "Part B" reduction or giveback, which pays a portion of the "Part B" premium. Most people on Social Security have their "Part B" premium deducted from their Social Security payments.
Answer: The best way to compare Medicare plans is to speak to an Independent Medicare agent or broker. An Independent Medicare agent works with several Medicare companies, so they can help your parents choose the plan that best meets their needs.
Answer: Original Medicare (Parts A&B) do not cover chiropractic care. However, many Medicare Advantage( Part C) plans do cover some chiropractic doctor visits.
Answer:
The $2,000 Maximum out-of-pocket (MOOP) is the most you will pay for prescriptions in 2025.
In 2026, the MOOP will be $2,100.
Answer: Medicare covers several risk factors for heart disease. There are several Chronic Special Needs Plans (C-SNP) that provide benefits tailored to people with heart conditions.
Answer: Yes! Your Annual Notice of Change outlines the changes to your Medicare Advantage Plan each year. It is vital that you understand all the benefits of your plan. Your Medicare Agent is certified in all the plans they recommend and can answer any questions you may have.
Answer: Your son or daughter can help you with your Medicare decisions. However, they can not sign for you unless they have your medical power of attorney. Additionally, a trusted friend or spouse can sign on your behalf if they have been granted your medical power of attorney.
Answer:
A highly recommended method of getting help is to call your Medicare Insurance Agent.
Medicare Insurance Agents, like myself, go through rigorous training and certification
examinations every year. The Training and Certification examinations for Medicare Advantage
Plans consist of an annual 40-hour intensive study program with a certification examination
that must be passed by a score of 90% or better. The training is administered by Americas
Health Insurance Plans (AHIP), an insurance industry regulating authority. Additionally, each
Medicare Advantage Insurer has its separate training and certification requirements. These
Certifications are mandated by the Department of Health and Human Services, Centers for
Medicare and Medicaid Services (CMS). This demanding training and certification is to
ensure that your Medicare Insurance Agent can provide you with the assistance you need.
Medicare Insurance Agents are compensated by the various Insurance companies they
represent. It is illegal for a Medicare Agent to charge a fee.
Answer:
I send them an easy-to-read and understand Medicare Q&A along with my contact information.
The Medicare Q&A explains Original Medicare (Parts A&B), Medicare Supplements, Part D, and Medicare Advantage Part C Plans