Jan Breheny, Medicare Insurance Broker
Jan Breheny
Medicare Broker Licensed in MO
Contact Details
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Location
St. Louis, MO
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Phone
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Website
Jan Can Help With:
About Me
Independent Broker, specializing in Medicare Supplements, Part D drug plans, and Medicare Advantage. I have been licensed since 1998 & service the entire St Louis region. Thanks
Q&A with Jan Breheny
What's one Medicare decision that too many people regret later?
Answer: Not using a qualified broker to help them in the process. Someone who puts their interest first and formost.
Can my daughter work with a Medicare agent or broker on my behalf?
Answer: Only is she has power of attorney, She is always welcome to attend a meeting or appointment with you
Is my Medicare deductible supposed change from year to year?
Answer: Yes, Part A and Part B of original Medicare have deductible increases annual in January. Advantage plans change annually also, with changes to coverage, copay etc.
If Medicare Supplement (Medigap) plans are better for long-term coverage, why don't more people choose them?
Answer: Often people choose an Advantage plan over a supplement is the cost. Where a great number of Advantage plans have a zero monthly premium, all Supplements come with an additional premium as well as your Part B monthly premium. You do have to maintain your Part B with either senario.
In addition you receive those extra benefits like dental, eye, and vision as well as a gym memebership.
You need to factor in things like your health and finances, and be aware that the Supplements only have limited time for guaranteed issue, no medical underwriting.
Why do doctors not like Medicare Advantage plans?
Answer: Medicare Advantage plans are managed care plans. This means that the insurance companies have the ability to require different things to receive care like preauthorizations, step therapies, and limitations on certain types of procedures.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: A local agent knows the plans in their area. They work closely with the Insurance companies, and understand the details of the local plans. The benfit to a client is their knowledge and expertise.