Gary Bush, Medicare Insurance Agent

About Me

Hello! I'm Gary, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!

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Q&A with Gary Bush

Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?

Answer: Generally you need to answer health questions when going from an MAPD pan to a Med Supp. If you do it within the first year you are in the MAPD plan you can usually make the switch on a guaranteed issue basis. You aren't restricted to the annual enrollment period. You can also do it during open enrollment (Jan 1-Mar 31). If you change to a Med Supp you will also need to add a drug plan (PDP) and any supplemental coverage you desire but the supplemental coverage can be added at any time if you qualify for it.

Do I need a doctor’s referral for Medicare to cover therapy?

Answer: It depends on your Medicare plan. If you have a Medicare Supplement or Medigap you shouldn't need a referral but some places will want you to have one before treating you. If you have a Medicare Advantage plan you will usually need a referral - especially if it is an HMO plan.

What are the reasons why I should work with a Medicare agent?

Answer: Agents can take a lot of the guesswork out of your Medicare decision. They will look at your situation including your doctors, meds, budget, etc to give you your best options. Working with an agent is at no cost to the consumer. They also give you someone to talk to when you have questions.