Jeff Hall, Medicare Insurance Broker
Jeff Hall
Phileo Insurance LLC
Medicare Broker Licensed in CO
9+ Years of Experience
Contact Details
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Location
Littleton, CO
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Phone
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Website
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Schedule An Appointment
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Facebook
Jeff Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello! I'm Jeff, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Jeff Hall
How is Medicare Advantage expected to evolve in the future?
Answer: There's no way to predict the future, but from talking with various carrier reps and folks in the industry it's entirely likely that the bells and whistles to the plans will be going away. There is finite amount of money the carriers have to spend on plans and they are more likely to allocate that money towards the medical benefits. That could mean that the Max out of pocket, premiums, copays, etc remain steady or they will be reduced.
Every area is different so it's tough to say what it will look like everywhere.
Will I get an Annual Notice of Change (ANOC) every year?
Answer: Yes you will get an ANOC every year for your plan if it stays the same or you're automatically enrolled in an updated version of the plan.
What is the biggest disadvantage of the Medicare Advantage plans?
Answer: The biggest disadvantage of a Medicare Advantage plan is not learning how they work + overcomplicating them. They are just a health insurance plan just like what you had before you went on Medicare, except they are more simplified and usually much less expensive. It's vitally important that you sign up for a plan that is not just good for you when you're healthy, but is also a great fit in the event you get sick or injured. Too many people chase the bells and whistles of the plans, or they don't check the networks, or run their medications through the plan's formulary to get an estimate for what they will pay.
Medicare Advantage is great in certain areas of the country and not so great in others, so taking blanket/generalized advice is never a good idea.
We also love to get recommendations from friends and family because we trust them, but unfortunately that usually doesn't work as well with insurance because we all have different health needs and finances. Taking advice about what broker to use is a better idea.
Is it ok to meet with multiple Medicare Brokers and Agents as I start looking for help?
Answer: Yes, it's absolutely okay to work with multiple brokers as you start to look for help! A good broker will be reaching out to you throughout the year to check-in with you and most importantly during open enrollment to make sure you're setup properly for the next year, so it's a good idea to work with someone who not only does a thorough job, but one you enjoy working with. I hope this helps!
**It's not advisable to work with one broker for one product and another for a different product though. It's hard enough having two different companies let alone brokers