Heather Majka, Medicare Insurance Broker
Heather Majka
Citizens Insurance Solutions
Medicare Broker Licensed in TN, AL, AR, AZ, CO, FL, GA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NC, NE, NY, OH, SC, TX and VA
Contact Details
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Location
Loudon, TN
Heather Can Help With:
About Me
I am the only AAA Certified Medicare Insurance Planner and Social Security Claiming Strategist. I have 30+ years of industry experience and I have personally assisted over 50000 consumers and trained hundreds of agents over my career. I love assisting people with understanding insurance.
Directions to My Office
Q&A with Heather Majka
I have PERS Providence Medicare through year-end and must choose between UnitedHealthcare and Moda Connexus. Which do you recommend?
Answer: I recommend that you carefully review the network, plan benefits, and prescription drug costs before makiing your decision. If all three are in line with your choices you should go with the company that you feel most assured with. The mechanics of insurance is important but it is equally important that you have peace of mind and work with someone who represent ALL options and choices available.
What are the different types of Special Needs Plans (SNPs) in Medicare?
Answer: There are 3 types:
Special Needs plans include those that are Dual-Eligible (have Medicare and Medicaid)
Chronic Illness Special Needs Plans are plans for people with certain chronic conditions and
Institutional Special Needs Plans are for those that are expected to be in a long term care facility for longer than 90 days.
I retired in August 2026 and want to take a large retirement-account withdrawal this year, which would push my 2026 MAGI above the IRMAA threshold. Since my income will be lower in 2027 due to retirement, could I use the work-stoppage life-changing event to have my 2028 IRMAA based on my lower 2027 income instead?
Answer: 2028 Medicare premium will be based on 2026 MAGI. I do encourage you however to file an SSA-44 regarding one of 7 life events that could be considered by Social Security should they determine to lower or waive your IRMAA. However, if you do not ask for relief, your 2029 premium will automatically be lower as a result of your lower earnings in 2027.
What are the reasons why I should work with a Medicare agent?
Answer: Working with an agent is about building a relationship with someone who knows and cares about you and your needs over your life span. If you value humana connection and real industry expertise working with an agent is a natural decision and it does NOT cost extra. When you do NOT work with an agent you are likely to deal with AI or a call center scripted temporary employee who does not understand you, your local area and challenges, as well as the Medicare landscape in its entirety.