Holly Douglas, Medicare Insurance Broker
Holly Douglas
Douglas Insurance Group LLC
Medicare Broker Licensed in TN and KY
Contact Details
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Location
Clinton, TN
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Phone
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Website
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Pre-Appointment Form
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Facebook
About Me
Hey there, my name is Holly, 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!
You can also click the link for the pre appointment form to put in your doctor’s and prescriptions. This allows you to see the plans that will fill those needs and even allows you to sign up for the plans.
Q&A with Holly Douglas
Answer: Only if she is your power of attorney. Otherwise she can be there to help you understand and make your decision but you would have to sign for yourself.
Answer: You can just have original Medicare A and B. However, if you do not sign up for a prescription drug plan and later want to enroll you will have a penalty. Also with only A and B you have a hospital deductible and other a part b deductible as well a share of other part b services.
Answer: There are many misconceptions about Medicare. One misconception is that it is free. It isn’t free you must pay your Part B premium.
Answer: If you’re diagnosed with certain chronic conditions you have a SEP to sign up for a csnp advantage plan. Chronic conditions include renal failure, diabetes, and some chronic lung conditions.
Answer: You will always have to pay your Medicare Part B premium, which is usually deducted from your social security check. Some plans are offered with a $0 monthly premium so you wouldn’t pay an additional premium but you will pay copays for most things.
Answer: Advantage plans usually have a network as opposed to supplements. Also advantage plans have copays for just about everything.
Answer: October 15- December 7 is annual enrollment, when you can make a change to your advantage plan, prescription drug plan or go back to original Medicare. Also if you move out of your service area you have a special enrollment period
Answer: Visit Medicare .gov and enter all their prescriptions and doctors. You can also contact a local agent you find in Medicare Agent Hub.
Answer: Yes you can be denied if you’re not in a guaranteed issue time period. When you first get your part b you have a guaranteed issue time period.
Answer: After you have used the 90 days in a benefit period you have 69 reserve days to use over your lifetime. Each benefit period is only 90 days.
Answer: It should have already been mailed. At the latest you should have it by October 15. If you haven’t received it you may wish to contact your insurance plan.