Jeff Hall, Medicare Insurance Broker
Jeff Hall
Phileo Insurance LLC
Medicare Broker Licensed in CO
9+ Years of Experience
Contact Details
-
Location
Littleton, CO
-
Phone
-
Website
-
Schedule An Appointment
-
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
Hi, I'm Jeff Hall, owner of Phileo Insurance here in Denver. I help people across Colorado get through Medicare with confidence, whether they're turning 65, retiring from an employer plan, or reviewing coverage during the Annual Enrollment Period. I also help clients with life insurance and annuities, but Medicare is the heart of what I do.
"Phileo" is a Greek word for brotherly love: the kind of care you show family and close friends. That's how I try to treat every client. Medicare can be confusing, and too many seniors feel pressured, rushed, or targeted by scams. My job is to slow things down, explain your options in plain language, and help you pick the plan that fits your doctors, prescriptions, and budget. I check in with my clients every year, and if your current plan still works for you, I'll tell you so. There's no need to switch just for the sake of it.
My help doesn't stop once you're enrolled. If you have a question about your plan, a claim gets denied, a bill doesn't look right, or you run into any other problem, call me first. You don't have to sit on hold or argue with the insurance company by yourself. I'll work with them for you and stay on it until it's resolved.
I'm a graduate of Colorado State University, a proud husband, and a dad of two. When I'm not working, you'll find me spending time with my family, skiing or snowboarding in the mountains, backpacking, traveling, cheering on the Rockies, or flying a plane.
I'd be glad to help you or someone you love with Medicare, and my help never costs you anything.
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