Grant Chapman, Medicare Insurance Broker
Grant Chapman
CHAPMAN Insurance Group, LLC
Medicare Broker Licensed in FL, AL, AR, AZ, CA, CO, DE, GA, IA, ID, IL, IN, KS, KY, LA, ME, MI, MN, MO, MS, NC, NH, OH, OR, PA, RI, SC, TN, TX, VA, WA and WV
25+ Years of Experience
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Pensacola, FL
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About Me
With over 25 years of dedicated experience in the insurance industry, I have built my career on a foundation of deep, comprehensive knowledge in the Medicare arena. Navigating the complexities of Medicare can be overwhelming, and my mission is to provide clarity and peace of mind to every beneficiary I serve. Whether you are turning 65 or looking to transition into a new plan, I leverage my extensive background to help you identify coverage options that align with your unique health needs and financial goals. My approach is rooted in honesty, education, and long-term support, ensuring you feel confident in every healthcare decision you make.
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Q&A with Grant Chapman
Answer: Medicare Advantage PPO plans do not require you to get a referral from a primary care physician before seeing a specialist. One of the main features of a Preferred Provider Organization (PPO) plan is the flexibility to see network specialists directly.
Answer: The short answer is yes, but you have to answer 16 underwriting questions to qualify for a new plan.
Answer: Some people resist professional help because they are overloaded with information and are confused as to who to trust.
Answer: Medicare advantage plans are an alternative to original Medicare and does have some additional benefits not covere3d my A & B.
Answer: Medicare Part B covers outpatient services such as doctor visits, physical therapy, oupatient surgeries etc.
Answer: The government requires insurance carriers to send out ANOC by October 1st every year so you have time to make changes.
Answer: This depends on the care you require. Medicare advantage is good for "low" maintenance individuals with no health issues.
Answer: You should get advanced notice from the plan to find another specialist. Under certain circumstances you may be able to apply for a special election period to change plans too.
Answer: Medicare Advantage plans are not genuinely "free"; that label is primarily marketing terminology. Even when a plan features a $0 monthly premium. A beneficiary still has to pay and maintain Parts A & B.
Answer: Some disadvantages are referrals, pre-authorizations, some network restrictions and sometimes finding a doctor that takes the plan.
Answer: No Medicare consists of Parts A & B. Parts C & D are Medicare Advantage and Drug coverage. Silver Sneakers is part of C.
Answer: You can work full time while on Medicare, and employers cannot make you take Medicare if you do not want to.
Answer: It depends on whether the coverage was active or retiree coverage. The Medicare part remains unchanged though.
Answer: No, Medicare3 advantage plans cannot deny coverage for pre-existing conditions. They can though require preauthorization.
Answer: There is no limit as long as the visits are medically necessary and must be from an accident. to treat spinal subluzation.
Answer: You should work with a Medicare broker because they know the local lay of the land, and have the ability to shop multiple plans and options as well as doing plan reviews annually.
Answer: Yes, if you qualify for certain Medicare Advantage plans. It also depends on the state you reside in.