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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Garrett Can Help With:
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!
Q&A with Garrett Ball
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).
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 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.