Harold Randolph, Medicare Insurance Broker
Harold Randolph
Medicare Broker Licensed in MI, IN, KY and OH
Contact Details
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Location
Charlotte, MI
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Phone
Harold Can Help With:
About Me
Greetings! I'm Harold, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Harold Randolph
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: First, you should have a broker that can answer your questions and lead you to the right coverage for you.
If you are retiring and collecting Social Security you will need to start your part A and Part B. Once you have these, which is considered Original Medicare, you can start to choose between Part C (Medicare Advantage), or a Medigap. ‘
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: They have zero dollar premiums on most. Being free is a matter of perspective. You will still need to understand what your costs are, ie copays, deductibles and Coinsurance. A good broker can help you field these questions at no cost as well.
How does Medigap Plan K compare to Plan G for someone on a tight budget?
Answer: Medigap Plan K may cost half of Plan G but it has a 7K max out of pocket and cover half of what G does. If you’re healthy it’s a calculated risk. If you become not so healthy you may be stuck in a plan that will cost you out of pocket yearly vs having a G plan with about $250 out of pocket yearly.
Let’s discuss.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: When it comes to flexibility the trade of is mostly network. In an HMO you have a smaller network but you pay a little less out of pocket. You will usually need a referral to see a specialist.
With a PPO you have a larger network and more option with doctors and networks and you pay a little more out of pocket for the convenience.
Reach out to your broker and get more comprehensive information pertaining to senior healthcare options.
Does Medicare fully cover nursing home care, and are there alternatives?
Answer: Medicare doesn’t cover nursing home care. Medicare does cover the first 20 days of skilled nursing care. Afterwards there is a daily copay for being facilitated. There are options to prepare for the inevitability of needing rehab services.
Reach out to a broker to look at long term care and short term care options while you’re healthy.