Joni Kattau, Medicare Insurance Broker
Joni Kattau
Kattau Insurance
Medicare Broker Licensed in TX and AZ
Contact Details
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Location
North Richland Hills, TX
About Me
With over 20 years of experience in the healthcare industry, I bring a deep understanding of the challenges and choices Medicare-eligible individuals face. As a passionate and dedicated Independent Medicare Agent, my mission is to simplify the Medicare process and empower each client with personalized, comprehensive solutions that fit their unique needs.
I proudly represent 54 Medicare plans across 5 leading Medicare Organizations in Texas and Arizona. I also offer Vision and Dental for individual enrollees. Being independent means I’m not tied to just one company—I work for you, offering unbiased guidance to help you make confident, informed decisions about your healthcare coverage.
Whether you're new to Medicare or reviewing your options during Annual Enrollment, I’m here to be your trusted resource every step of the way.
Q&A with Joni Kattau
I just enrolled in Medicare, and I've got my Part A and B, but I'm hearing there are gaps in coverage. What are these gaps exactly?
Answer: There are a couple of different 'gaps' in traditional Medicare coverage. Medicare A and B does not cover Vision, Dental or Hearing so enrollees either need to purchase separate coverage for these benefits or pay out of pocket for services when they are needed.
Another considerable 'gap' in Medicare Part B coverage is that there is no annual maximum out of pocket limit. When you are covered by Part B, you have a 20% coinsurance for all services and there is no upper limit on how much you'll pay out of pocket per year like most people have with their employer coverage. If you're healthy and don't see the doctor very often, this 20% coinsurance may not seem to be much of a burden; however, if you are diagnosed with cancer or need a life-saving procedure, the 20% coinsurance can quickly climb 10's of 1,000's of dollars and can quickly deplete any savings you have.
These are the main two 'gaps' that I educate my clients on when reviewing Medicare parts A & B.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: It depends on what state you're in. In Texas there is a six month open enrollment period that starts on your Medicare Part B enrollment date. If you are beyond the six month open enrollment window, you are outside of the 'guarantee issue' period and you may need to go through health underwriting (answering medical questions) when trying to switch from a Medicare Advantage plan to a Medigap plan.
What additional coverage options are available for international travelers?
Answer: Most Medigap/Medicare Supplement plans offer emergency coverage of medical expenses while traveling outside of the US and US Territories. Likewise, many Medicare Advantage policies also offer Emergency and urgent care coverage outside of the United States.