Frank Woerner, Medicare Insurance Broker
Frank Woerner
Frank Woerner Agency Inc
Medicare Broker Licensed in IN and IL
Contact Details
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Serving
Scottsburg, IN
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Phone
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Website
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LinkedIn
About Me
Greetings! I'm Frank, 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 at 219-206-2060 today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Frank Woerner
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: 1. Build an ongoing relationship locally.
2. We can meet in person if desired.
3. Service available with the same person after the sale.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: I have assisted seniors save money on high-cost prescriptions. I have also found lower cost drug plans and Medigap plans form my clients.
What should I do if I miss the Medicare Open Enrollment period, and I want to change my plan?
Answer: The best thing to do is check with a trusted local agent to see if there are any "Special Enrollment Periods" available. Medigap plans do not necessarily need an enrollment period.
What do you enjoy most about working with Medicare clients?
Answer: I enjoy getting to know my clients over time, including what their needs are
and being there for them.
What's one hidden Medicare expense that people don't think about until it's too late?
Answer: Original Medicare Part A & B usually doesn't include prescription drug coverage. Make sure it's part of your package. Dental insurance too is a needed coverage as we get older.
Is Guaranteed Issue available after the Medicare Open Enrollment period ends?
Answer: No, the Guaranteed Issue rights for Medigap plans do not necessarily end with Open Enrollment ending. Medigap Open Enrollment period last for six months starting first day of the birthday month age 65 or older and enrolled in Part B.
My Medicare Advantage plan advertised dental coverage, but it barely covers anything. Is this normal?
Answer: Most Medicare Advantage plans offer basic dental coverage. In most cases, it is not to be considered comprehensive in nature. However, some Advantage plans offer additional supplemental coverage for an additional premium. Many people also elect "stand alone" policies outside their Advantage plans.
I have Original Medicare, and I'm wondering if I'd save more on my dental cleanings if I switched to a Medicare Advantage plan instead.
Answer: Most Medicare Advantage plans include a dental benefit. Preventive services like cleanings, exams often are covered. However, some plans may charge a small extra premium for these services. If you're working with an agent, check with them, or the individual carrier. Stand-alone dental insurance plans often provide better coverage. Worth considering.
I'm confused about which vaccines Medicare covers. Can you explain which ones are free?
Answer: Medicare Part B covers the following vaccines at "no cost".
* Pneumonia* Flu * COVID-19 and * Hepatitis B
Medicare Part D covers adult vaccines such as Shingles, Tdap vaccines, RSV and others at "no-cost".