Gregory Gudis, Medicare Insurance Broker
About Me
Hello! I'm Gregory, 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! I am also one of the founders of BGA and while remaining dedicated to my clients I handle many of the day-to-day business activities of the company. I am a Graduate of Rowan University and obtained my master's degree from Rutgers. My primary reason for creating BGA was to help Seniors navigate the labyrinth known as retirement. To further my knowledge base and better assist my clients I obtained the designation of CERTIFIED FINANCIAL PLANNER®. The CFP® designation helps focus on the issues facing clients who are planning for or are living in retirement. I reside in Queen Creek, AZ with my wife Tara, children Bryce, Gavin and Avery and my two dogs Juno and Bowser.
Q&A with Gregory Gudis
Answer: Talk to an Insurance Broker to find out all of your options. Don't go directly to one company. Your needs are going to vary from others and you need a plan that fits those needs.
Answer: Most people think they will have poor coverage when on Medicare vs what they had when working. As plans have continued to add benefits and there are caps on out of pocket for Part D, plans tend to be much better than work coverage.
Answer: After being on Disability for 2 years you are automatically enrolled in Medicare even if you have not reached 65 yet.
Answer: Every person is different and depending on your individual needs one cannot necessarily be said to be better than the other. I have found Original Medicare with a Supplement and Part D plan makes people very confident with no network, referrals and usually no or low copays. On the other hand Medicare Advantage tends to be cheaper up front, has more added benefits outside of what Medicare covers and is usually more similar to what folks had when working. That said it is always worth having your situation evaluated by an Insurance Broker before making a decision.
Answer: Medicare Part A is the hospital insurance part of Original Medicare but it is not a comprehensive solution. The addition of Part B and Part C or Medigap would give the beneficiary a more complete plan.
Answer: This can be done on the Medicare website but I absolutely recommend speaking with an agent who does this everyday. Getting your Part D plan correct could save so much money and a mistake could be really costly.
Answer: Medicare doesn't pay for a short-term stay in assisted living since assistance with personal care tasks isn't considered medically necessary. However, Medicare does pay for medically necessary short-term care in a nursing home
Answer: The changes to Part D in 2025, especially the addition of a $2,000 out-of-pocket limit, will greatly assist those who require costly specialty drugs. This change ensures that once individuals hit this maximum out of pocket, they will no longer be responsible for any further payments for covered medications for the remainder of the year.
Answer: Without knowing your plan and whether it is Medicare with a Supplement or Medicare Advantage, this is a difficult question to answer. While Original Medicare does not usually require prior authorization (usually meaning they still can), Medicare Advantage plans would be more likely to.
Answer:
When choosing an insurance agent doing some thorough research is crucial to ensure you find a trusted professional. First and foremost check with you state's Insurance Department to confirm the individual is properly licensed. Many states can be found here including my home state of Arizona: https://sbs.naic.org/solar-external-lookup/
The next step would be to review their professional credentials, if any. For example I am a Certified Financial Planner and advertise myself as one. You can look up those credentials and any past disciplinary actions on this site: https://www.cfp.net/verify-a-cfp-professional
After that you can certainly do some research looking individuals up online but of course not everything on the internet (good or bad) is true. After confirming the above and knowing their licenses are up to date you will at some point have to trust your instincts and decide if this person is right for you when gathering information to make your insurance decisions.
Answer: This will always be more of a personal preference on how you like to do business. Both nearby agents and remote agents can typically offer the same products and guide you the same, a local agent can meet you in person and typically knows the local market a little better than someone selling all over the country. As an agent I moved from the Philadelphia metro area to the Phoenix metro and while I continue to service my customers back east and add more, I have become more in tune with my current market and visit folks to review their needs when they request. I think this brings a more personal experience for probably one of the most important needs in retirement, your health insurance.