Gus Kinnie, Medicare Insurance Agent

About Me

Hey there, my name is Gus, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!

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Q&A with Gus Kinnie

What do you like most about being a Medicare agent?

Answer: I enjoy helping those in need. I love that sigh of relief and smile they give me after I've helped someone.

Are Medicare Advantage plans really "free," or is that just clever marketing?

Answer: Some Medicare Advantage plans have a $0 monthly premium. This means you don't pay a regular monthly fee just to be in the plan. You almost always have to still pay your Medicare Part B monthly premium.

What's the best way to avoid surprise bills for lab tests under Medicare Advantage?

Answer: Most places can run your insurance card to see if the lab test are covered before hand. You can also call your insurance company, and go over your plan with someone who is trained to help like a insurance to see if the lab test is covered.

I'm on an expensive specialty medication. Will the 2025 Part D changes help someone in my situation?

Answer: Starting in 2025, there will be a yearly limit of $2,000 on how much you have to pay out of your own pocket for your Part D covered drugs. If your specialty medication costs a lot, you could reach this limit and then not have to pay any more for your covered drugs for the rest of the year.

Can you explain Special Needs Plans in Medicare?

Answer: Special Needs Plans (SNPs) are a type of Medicare Advantage plan. Think of them as Medicare plans made for people with specific health care needs.

Isn't it time for Medicare to completely overhaul how it approaches senior care?

Answer: Medicare is a complex system with many moving parts. There's constant updates and changes to make it more efficient, user friendly and better for everyone on Medicare.