Heidi Fredrick, Medicare Insurance Agent
Heidi Fredrick
American Senior Benefits
Medicare Agent Licensed in OH and MI
Contact Details
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Location
Toledo, OH
About Me
Like so many people, after dealing with health issues for parents, relatives and friends, I saw how confusing insurance can be.
First hand experience helped me really appreciate the importance of the insurance choices you make and how they can impact you and your family. That is where my passion comes from.
I am a local, independent insurance agent, certified with top Medicare Supplement, Prescription drug, Medicare Advantage and Life insurance plan carriers. I represent most major companies and am qualified to answer any questions you may have.
Q&A with Heidi Fredrick
My Advantage plan says I need a referral just to see a dermatologist. I thought PPOs didn't require that - was I wrong?
Answer: Original Medicare does not require referrals but private insurance companies administer Medicare Advantage (Part C) plans and these companies can set their own rules, including requirements for referrals.