Gary Suell, Medicare Insurance Broker
Gary Suell
G Suell Insurance Services
Medicare Broker Licensed in TX, FL and GA
16+ Years of Experience
Contact Details
-
Location
Nacogdoches, TX
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!
Q&A with Gary Suell
Do I really need help in figuring out what's best for me as for as Medicare Planning?
Answer: You may very well be capable of diligently doing the research for your own Medicare solution. Medicare has Part A (Hospital) with it’s coinsurances and deductibles. Part B (Medical) has it’s coinsurance and deductible. Medicare does not include dental or vision which may have become used to with your employer insurance. Medicare does not cover Prescription Drugs. If you decide to include prescription drug coverage, you will need a separate Part D plan. There are penalties for not enrolling in Medicare Part A and Part B when first eligible and you do not have creditable health insurance coverage. There is also a penalty if you go 63 days or more without Part D coverage or creditable prescription coverage if you decide to later enroll in a Part D plan. There also Part C plans that combine Part A and Part B, sometimes Part D and include optional other benefits like dental and vision. All of these are what a qualified Licensed Insurance Agent certified to market Medicare plans and can help you decide what is best for you.
How likely am I to qualify for Medigap at 73 after the six-month enrollment period? I have some medical history and a possible cancer workup, but no diagnosis, hospitalizations, or treatment.
Answer: Insurance carriers have different qualifications. You will have to qualify for the Medigap plan based on the carrier. Each carrier has its own underwriting criteria. They may have a look-back period from which you must have had certain diagnoses or procedures or illnesses. Most require that you do not have pending tests or procedures or tests for which you do not have results.
Can I drop Medicare Part B if I go back to work and get employer health coverage, then re-enroll later without a penalty?
Answer: Yes, you can drop Medicare Part B. The coverage from your employer must be acceptable to Medicare as your primary coverage. If you drop part B you can keep your part D if your employer coverage will not be considered creditable prescription drug coverage. If you have a Medicare Advantage Plan you will have to disenroll from it because you must have A & B to be enrolled in a Medicare Advantage plan.
If you have a Medicare Supplement, you will have to disenroll from it. You will have to requalify for a Medicare Supplement plan and undergo underwriting if you should reapply for a Medicare Supplement if you decide to re-enroll.
Yes, you can re-enroll later without a penalty, if your employer coverage is acceptable to Medicare as primary coverage and your re-enrollment takes place in the window Medicare allows after your employer coverage ends.
What does Medicare Part B cover? Is it enough?
Answer: Medicare Part B helps cover some cost of doctor visits, preventive services, home health care and outpatient care. It has a monthly premium and an annual deductible. After the deductible is met, the Medicare beneficiary is usually responsible for 20% of the Medicare approved cost for care.
Part B alone and without Medicare Supplement insurance or Medigap insurance a medicare beneficiary could be responsible for an unlimited amount of cost.
In my opinion, Medicare Part B alone is not enough. Each person must determine how much financial exposure they are willing to risk and decide accordingly.