Glenn Quinn, Medicare Insurance Broker
Glenn Quinn
Quinn Insurance Group
Medicare Broker Licensed in FL, AL, AR, CA, GA, IA, IN, MS, NC, NY, OH, PA, SC, TN, TX and WV
14+ Years of Experience
Contact Details
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Location
Ellenton, FL
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Phone
About Me
Hello! I'm Glenn, 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 Glenn Quinn
I'm interested in nutrition counseling to help manage my diabetes. Will Medicare cover this as preventive care?
Answer: Yes, Medicare will cover nutrition counseling. Both original Medicare and Medicare Advantage plans will cover nutrition. That is considered preventive services.
How can I lower my Medicare Part B premium if my income drops after retirement?
Answer:
If you are paying ERISA and your income drops to the Norma range due to retirement, you can appeal to Social Security and as for a review.
If you are low income as a result of lost incomyou can apply for Low Income Subsidy.
I've been paying into Medicare for years, and I'm not sure why my specialist visits still cost me so much. What am I missing here?
Answer: Are you on Original Medicare or an Advantage plan.
Original Medicare only pays 80% of provider services. Most Advantage plans have copays.
I'm considering genetic testing to assess my cancer risk based on family history. Will Medicare cover this preventive approach in my situation?
Answer: Generally, Medicare does not cover preventive genetic testing or testing to detect undiagnosed diseases or predispositions. However, Medicare Part B may cover genetic testing for certain conditions, like diagnosing inherited disorders or guiding medical treatment decisions, if ordered by a physician and deemed medically necessary. For example, genetic testing for specific cancer risks or to determine how a person may respond to specific medications might be covered.
Why did I receive a Medicare Summary Notice, and what should I do with it?
Answer: A Medicare Summary Notice (MSN) is a quarterly statement sent to individuals with Original Medicare (Parts A and B) that summarizes their claims for services and supplies billed to Medicare during that period. It details what Medicare paid, what you owe, and if the service was approved. MSNs are not bills; they are a record of claims and payments. There is nothing you need to do with the statement.
Can I backdate my Medicare enrollment if I missed my initial window due to a medical emergency?
Answer: While Medicare generally doesn't allow for backdating of enrollment, there might be exceptions if you missed your Initial Enrollment Period due to a medical emergency. You may qualify for a Special Enrollment Period (SEP) due to unforeseen circumstances like hospitalization or temporary cognitive disability, which could allow you to enroll without incurring penalties. The best thing to do is to contact Medicare.
I want to be proactive about my health. What preventive services should I be taking advantage of with Medicare?
Answer: Medicare provides a range of preventive services to help you stay healthy, detect health problems early, and prevent certain diseases. These services are covered by Medicare Part B (Medical Insurance).
Key Preventive Services Covered by Medicare:**
Wellness Visits: Including a one-time "Welcome to Medicare" visit and annual "Wellness" visits to review health history and create prevention plans. Note that these are not full physical exams.
Screenings: Medicare covers various screenings for conditions such as cancer (colorectal, breast, cervical, vaginal, prostate, lung), cardiovascular disease, diabetes, depression, glaucoma, abdominal aortic aneurysm, hepatitis B and C, HIV, and sexually transmitted infections (STIs).
Vaccinations: Covered vaccinations include flu shots, COVID-19 vaccines, pneumococcal shots, and Hepatitis B shots. Shingles and Tdap shots are covered under Medicare Part D.
Counseling and Therapies: Services include counseling for tobacco use, alcohol misuse, medical nutrition therapy for certain conditions, and behavioral therapy for obesity and cardiovascular disease.
Other Services: Bone mass measurements for those at high risk for osteoporosis and the Medicare Diabetes Prevention Program for individuals at high risk for diabetes are also covered.
Important Notes:
You generally pay nothing for most preventive services if the provider accepts Medicare assignment.
Medicare Advantage plans (Part C) must offer at least the same benefits as Original Medicare, but may have different rules and network restrictions.
Consult your doctor to determine which preventive services are appropriate for you.
Utilizing these covered services can help you proactively manage your health and potentially detect health issues early.
What do you enjoy most about working with Medicare clients?
Answer: Working with Medicare clients is rewarding because it allows one to build lasting relationships and make a meaningful difference in their lives by helping them navigate the complexities of healthcare options. Agents find satisfaction in educating clients and empowering them to make informed decisions about their coverage, which can lead to peace of mind and confidence in their healthcare choices.
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The biggest mistake seniors make when enrolling in Medicare is not understanding the differences between Medicare Advantage (Part C) and Original Medicare (Parts A & B), and the implications of each, especially during the initial and annual enrollment periods. This can lead to choosing the wrong plan, missing out on important benefits, or incurring unnecessary costs.