John Ward, Medicare Insurance Broker
John Ward
RJ Ward Insurance
Medicare Broker Licensed in TX, FL, GA, LA, NM and OK
Contact Details
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Location
Paradise, TX
John Can Help With:
About Me
Greetings! I'm John, 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!
Directions to My Office
Q&A with John Ward
I'm confused about all these different Medicare costs - premiums, deductibles, copays. How do they all work together?
Answer: Premium are membership fees, thatt is what you pay every month just to have Medicare coverage, many plans do not have a premium. Deductibles is the cost that must be paid prior to Medicare starts paying for most covered services. Co-pays are basically a fixed payment for a covered service.
Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones?
Answer: Yes in most cases you can continue using your current doctors. You must stay within the network and if your doctor is in the network you can see him, if not it will cost you more.
I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?
Answer: Physical Therapy generally has a co-pay that your responsible for, amount depends on your plan. Your physician must order the therapy and number of visits allowed. If in doubt check your plan summary or call your insurance company in advance. Always be a self-advocate.
If I need hospice care in the future, can my Medicare plan cover it?
Answer: Medicare Part A covers hospice care under specific conditions. A doctor must certify that the patient has an illness with a life expectancy of six months or less, and the patient must elect hospice care instead of curative treatments for that illness. Medicare covers four levels of hospice care: routine home care, continuous home care, general inpatient care, and respite care.
Is Guaranteed Issue available after the Medicare Open Enrollment period ends?
Answer: Yes guaranteed issue rights are available after Open Enrollment, but are limited to specific circumstances. Guaranteed issue means 1) no denial based on health status, 2) no medical underwriting, 3) no rate increase. Please discuss your circumstances with a licensed agent.
What are the reasons why I should work with a Medicare agent?
Answer: Agents offer personalized advice, access to multiple plans, and can simplify the Medicare enrollment process. Agents can also help you understand your coverage options, potentially saving you time and money.