Grace Royer, Medicare Insurance Broker
Grace Royer
Bristol Financial Solutions
Medicare Broker Licensed in FL, ME, MI, NC, ND, PA, SC, TX and WI
Contact Details
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Location
Plantation, FL
About Me
As a trusted Medicare insurance broker, I help clients find the perfect plan to fit their healthcare needs and budget. My mission is to make Medicare simple, so you can feel confident you’re getting the coverage and savings you deserve. With personalized guidance and access to top carriers, I take the guesswork out of Medicare and help you make a choice that truly works for you.
Q&A with Grace Royer
Why do some hospitals not accept Medicare Advantage plans for cancer treatment?
Answer: Some hospitals do not accept Medicare Advantage plans for cancer treatment because the reimbursement rates are too low to cover the cost of care, in addition to the complex prior authorization process that creates significant administrative burdens for hospitals and their staff. Medicare Advantage plans typically require prior authorization for imaging tests, radiation therapy, inpatient hospital stays, outpatient oncology services, and certain types of chemotherapy that can cause treatment delays, denials, and inferior cancer care, and was a major reason some hospitals recently stopped accepting these plans.
Do Medicare Advantage plans cover international travel?
Answer: Yes, some Medicare Advantage (Part C) plans cover international travel, but coverage is generally limited to emergency and urgent care, and it varies significantly by provider. It's important to check with your plan provider before traveling outside the country to understand whether your plan offers emergency travel benefits and how claims or reimbursement are handled
What is creditable coverage and why does it matter for Medicare?
Answer: Creditable coverage is health insurance or prescription drug coverage that meets or exceeds the coverage provided by Medicare, and having it allows you to delay signing up for Medicare without facing a penalty. if you go 63 days or more in a row without Medicare drug coverage or other creditable prescription drug coverage after becoming eligible, you may have to pay a Part D late enrollment penalty for as long as you have Medicare drug coverage
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent gives you access to expert, personalized guidance to help you compare plans across multiple carriers and find the best coverage for your specific health needs and budget. Best of all, their services are completely free to you and gives you a trusted advocate for the long haul.