John Ward, Medicare Insurance Broker
John Ward
RJ Ward Insurance
Medicare Broker Licensed in FL, GA, LA, NM, OK and TX
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
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.
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.
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.
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.