George Kolitsas, Medicare Insurance Broker
George Kolitsas
Innovative Senior Benefits
Medicare Broker Licensed in CT
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Location
Middlebury, CT
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About Me
My name is George Kolitsas. I’m an INDEPENDENT INSURANCE BROKER serving the entire state of CONNECTICUT. I’m passionate about educating and customizing insurance solutions to fit the unique needs of each of my clients in an innovative and simple fashion. My ultimate goal is to provide unmatched support and exceptional customer service to all my customers, whether they are individuals or businesses.
With years of experience in the insurance industry, I am confident in my ability to provide comprehensive coverage options that meet your specific requirements. Whether you are looking for health, life, or any other insurance coverage, I’ve got you covered. My commitment to building strong relationships with my clients is at the heart of everything I do, and I’m always here to answer any questions or concerns you may have.
Thank you for considering me as your trusted insurance advisor. I look forward to working with you to protect what matters most.
Q&A with George Kolitsas
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Becoming a Medicare professional over night and taking on the complex system of Medicare on there own. Also, waiting until the last minute to sign up. Please start planning ahead of time and use a local broker to guide you in the right direction.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: Every single day. From saving money on prescription cost, or reviewing there benefits, or helping them qualify for state specific programs that they were not aware of.
Does Medicare cover eye exams, or are seniors left paying too much?
Answer: Original Medicare does not cover eye exams. However, if you replace Original Medicare and choose a Medicare Advantage Plan (Part C), a lot of these plans can cover eye exams and possibly more.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: Everyone I sit with is different. There are pro's and con's to both choices. I always say, I can not predict the future but I can educate you on the differences.
What is the biggest disadvantage of Medicare Advantage?
Answer: Medicare Advantage plans are network driven There are PPO's and HMO's, most of the time I am recommending a PPO plan to give you a little more freedom and flexibility. Also, prior authorizations and referrals can be common.
Can Medicare Part D deny coverage for a brand-name drug if a generic isn't available?
Answer: You want to make sure all of your prescriptions are listed on the specific plans prescription formulary from the start.
Do Medicare Advantage plans really save seniors money in the long run? Why or why not?
Answer: This is a trick question. As brokers, we can not predict the future. If you have a healthy year and used your extra benefits built into your advantage plan, then yes, you could save money. However, if you have a bad year of health issues, then you could possibly be paying more out of pocket. At the end of the day, you do have a Maximum-Out-Of-Pocket that will put a cap on your out of pocket cost for the calendar year.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: In this situation, Social Security will automatically mail your Medicare card in the mail. Usually 3 months prior to the month you turn 65. This is because you are already collecting Social Security income.
If you had to pick just one, what's the worst Medicare-related decision someone can make?
Answer: Getting the same plan as your friend, because they like it. Medicare is not a one plan fits all, a plan that works well for one person might now work well for another.
I've heard that once you're on Medicare, you might not need life insurance as much. Is that true?
Answer: Medicare is health insurance while you are living. Life insurance is life insurance for when you pass away, that can possibly come with living benefits. However, two completely different topics.
Don't you think Medicare's technology systems are outdated and inefficient?
Answer: Based on my experience with helping individuals and families, yes. Medicare's systems needed an update 5 years ago!