Hank Ellis, Medicare Insurance Broker
Hank Ellis
Hank Ellis Insurance Agency
Medicare Broker Licensed in WV
15+ Years of Experience
Contact Details
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Location
Buckhannon, WV
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Website
About Me
Hi, my name is Hank and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Hank Ellis
Are there plans that allow me to continue to travel anywhere and be covered?
Answer: Medicare supplement plans F, G, and N afford up to 50,000 emergency medical protection abroad. Some advantage plans may offer some extended coverage also, but i would recommend travel insurance to be safe.
What's the financial risk of sticking with Original Medicare without a Medigap plan?
Answer: If you have a medical event where you would be hospitalized you would have a part A deductible to meet of 1676.00 dollars. If you were hospitalized over 60 days you have a coinsurance responsibilty of 419 dollars a day for day 61-90 and 838 dollars day 91-150. You would also have to meet your part b deductible of 257.00 for doctor visits.
What are disadvantages of PPO?
Answer: Higer cost would be one of the main disadvantages. That would relate to premiums and out of pocket costs.
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: Your Medigap plans allows you to go to any doctor in the US that accepts medicare, an advantage plan doesn't afford you that flexibilty, you must utilize a network of doctors. The advantage plan is receiving premiums from the Part A and B from the government.
How can insurance companies afford to offer Advantage plans with $0 monthly premiums?
Answer: You are giving up your medicare part a and b benefit and the government pays those premiums to the insurance carrier.
Is Medicare becoming more expensive over time, and will it ever be unsustainable?
Answer: Medicare spending continues to increase due to an increase of people aging in to medicare. Only time will tell if it will remain sustainable, this is always a major topic in government.
What's the best way for seniors to protect themselves from Medicare-related scams?
Answer: Never give anyone your personal information that you didn't inquire about directly. That would include your bank information and social security number.
How do I report a suspicious Medicare billing error without getting in trouble myself?
Answer: Rule out error: If you have questions about information on yours or your loved one's Medicare Summary Notice (MSN) or Explanation of Benefits (EOB), call the provider or plan and ask for an explanation.
Get help from your SMP: If you are not comfortable calling the provider or plan or if you are not satisfied with their response, your local SMP can help you:
Identify and report fraud schemes and deceptive health care practices, such as illegal marketing or billing for services that were never provided.
Refer complaints of potential fraud and abuse to the appropriate entity, who can intervene. For example: