Ida Washington, Medicare Insurance Broker
Ida Washington
Washington Life and Health
Medicare Broker Licensed in SC
Contact Details
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Location
Dentsville, SC
About Me
Greetings! I'm Ida, 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 Ida Washington
I'm in the donut hole and can't afford my medications. What are my options right now before the 2025 changes?
Answer: The donut hole has been eliminated. Once you reach your annual amount of $2100, you will pay $0 for plan covered Part D and Excluded drugs.
How often can I change my Medicare Plan?
Answer: Most members can change their plan during the annual enrolment period that begins October 15 through Dec 7 and during the open enrollment period from January 1, through April 15. There are other periods that require a special events or circumstances such as you move to another location, getting married and the birth of a child, moving in or out nursing facility, etc.
I've been retired and on Medicare for 4 years. Why did my Part B premium increase by almost $100?
Answer: Most likely you had an increase in your income within the last two years. There is something called IRMAA (Income Related-Adjustment Monthly Amount). If you experienced an increase in your income that pasts the threshold amount, your premium could go up 35 % to 85%. When retired, your income can increase because of selling your assets such as your home or making higher withdrawals from retirement accounts.
Can a drug plan drop one of my medications during the middle of the year?
Answer: Yes, a drug plan can drop a medication in the middle of the year if a cheaper or generic becomes available or for safety reason. They are required to give a 60-day notice.
How do you explain to clients that "zero-premium" doesn't mean "zero-cost" with Medicare Advantage?
Answer: “Zero premium” does not mean “zero cost” when you enroll in a Medicare Advantage plan. It simply means there is no monthly premium for the plan. However, you may still have out-of-pocket expenses, such as copayments for doctor visits (including specialists), outpatient procedures, lab work, and durable medical equipment.
I’ve talked to a few Medicare agents near me already, and everyone seems to push something different. How do I know you’re genuinely looking out for me and not just trying to make a sale?
Answer: First, I’d like to understand what matters most to you, as well as what’s less important. From there, I’ll recommend plans that I believe are the best fit for your needs. There will never be any pressure to choose a specific plan unless I truly feel it’s the right one for you
What are the reasons why I should work with a Medicare agent?
Answer: I believe it’s extremely important for seniors to work with a local agent who can guide them through the complexities of the Medicare system. Building a strong rapport allows the agent to help seniors feel comfortable, informed, and confident in choosing the plan that best meets their needs.