Jim Willis, Medicare Insurance Broker
About Me
Hi! My name is Jim, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Jim Willis
Answer:
I like being able to find the right plan that best benefits the Client
I also use my medical knowledge to help them get the right doctor and/or procedure
Answer: They’re not really free as there are copays and deductibles but they’re still cheaper than supplements in the long run
Answer:
It depends On your prescription costs.
At this point it appears to be costing most seniors more unless they have expensive drugd
Answer:
Every plan has different coverages and a different formulary. You need to study the PDP and compare it to your prescriptions.
Most people are better off with a Medicare advantage plan covers their drugs with the plan.
Answer:
Medication’s fall into several tiers, depending on the age, commonality, patents, etc. most common medication’s, like blood pressure, meds, statins, antibiotics, and some COPD and asthma drugs, generally fall into tier one or tier 2 and will likely have very low or no co-pays.
Newer drugs, biologics and some drugs popular due to their use and success rate will generally be priced in tiers three or tier 4 and have co-pays ranging from $40 to several hundred dollars. You may be able to get a tier exception from the drug plan working with your doctor that can drop a co-pay several hundred dollars.
Answer:
Generally speaking, Medicare does not cover long-term care or custodial cost.
Long-term care insurance is quite pricey if you are in your 50s or older. Talk to a Medicare agent that is also licensed to handle annuities. The agent can help you utilize your 401(k) to roll it tax free into something like an immediate annuity that would handle the payments For long-term care without losing your money.
Answer:
It really depends on where you’re traveling to. Many of the Medicare advantage plans work in most if not all states. The Aetna elite plan works in all 50 states I have found.
So the answer your original question is yes you probably could’ve done better with a Medicare advantage plan without a premium and most charges covered as long as you stay within network, but their network covers all 50 states
Answer:
Yes you are
Loss of employer coverage is one of the standard SEP‘s. You have to get signed up rather quickly, preferably within 30 days after losing your employer coverage.
Answer:
Part of the process of shopping for a Medicare advantage plan is to find a good agent who will check to make sure that all of your doctors are in the plan that you have chosen.
It’s far more likely her doctors are in the plan and available and more places than the current Insurance she has.
Answer:
The star ratings actually have nothing to do with the quality of care that you will receive
The star based on returns from clients of a given insurance company and their opinions on what they’re receiving in the way of benefits, care and coverages.
Answer:
You need to be on a PPO that has network doctors in your home state as well as in Florida.
I have several different plans that do both except I don’t know what your home state is