Garrett Ball, Medicare Insurance Broker
Garrett Ball
65Medicare.org
Medicare Broker Licensed in NC, AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV and WY
18+ Years of Experience
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Clemmons, NC
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About Me
Hello! My name is Garrett, and I've been working with Medicare and Medigap plans for 18+ years. My focus is on helping clients navigate the complexities of Medicare while prioritizing what each individual client wants and needs.
I am licensed in 40+ states and work with over 30 companies to help you compare your options in a centralized place with unbiased recommendations and comparisons. As an independent broker, this service, as well as our ongoing service (annual reviews, Part D help, etc) is all at no cost to you.
I also founded and run a website focused on providing clear and unbiased resources for those turning 65 - 65Medicare.org.
Please let me know how I can help!
My Google Reviews
55 Total Reviews (5.0 )
August 13, 2025
I talked to a few people but Garrett was the best so I used him. He always was around to answer questions and never pressured me to make a decision. On a side note, he is a great guy and I highly recommend him for your retirement needs.
August 12, 2025
Garrett was very helpful in navigating the choices for Medicare supplemental insurance, dental/vision/hearing coverage, etc. I would recommend him to others with questions about the options and process.
August 12, 2025
Professional, responsive, knowledge.
August 9, 2025
When we reached that age when we needed to figure out what to do to get a Medicare Supplement and Part D coverage, we were overwhelmed. But we somehow found 65Medicare, and they were our savior. Garrett took all the stress away, as he found the best plan at the best price--and helped with all the forms. And since that time, he has been there to make changes when needed--like when a better plan with a better price comes along. Over the past 5 years, we have saved a lot of money in premiums--and been saved from a lot of headaches. I have simply never had customer service this good.
August 8, 2025
Q&A with Garrett Ball
Does Medicare cover Ozempic and other drugs prescribed for weight loss?
Answer: Medicare Part D, the part of Medicare that covers prescription drugs (sold through private insurance companies) does not cover Ozempic or other drugs in the same category when they are prescribed for weight loss. Many Part D plans do, however, cover Ozempic when prescribed for Type 2 diabetes. The coverage, and your share of the costs, varies depending on which Part D plan you have. But to reiterate, at the current time, Medicare Part D does not cover Ozempic or similar drugs for the prescription indication of weight loss.
I'm turning 65 next month and the amount of Medicare mail I'm getting is overwhelming. How do I sort through all this?
Answer: There are really two options - one, on your own. There are plenty of videos and written information. It is/will be very time-consuming to get rates and ratings for each insurance option and make an informed choice. Option 2 is with help - you can either use a council on aging/SHIIP type program (if you can get someone who knows what they are talking about) or you can use an independent broker. Independent brokers can help you compare all options in a centralized place and using one does not cost you anymore than you will pay anyway.
I'm on Medigap Plan G, and I'm curious how my upcoming knee replacement surgery will be billed. Does the plan cover it all after my deductible?
Answer: Yes, it will be covered in full by Medicare and your Plan G. After the deductible is met, Medicare pays 80% and the Plan G pays the other 20%.
I'm still working at 67, and I don't know if I need Part B. Why is something so basic so hard to figure out?
Answer: You do not need Part B if you are covered by a group/employer plan that is primary to Medicare (if employer has more than 20 employees). You can delay Part B enrollment and add it later, without penalty, through a special enrollment period (https://www.ssa.gov/medicare/sign-up/part-b-only).