Joseph Meyers, Medicare Insurance Broker
Joseph Meyers
American Senior Benefits
Medicare Broker Licensed in MI and TN
5+ Years of Experience
Contact Details
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Location
Okemos, MI
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Phone
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Website
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About Me
Hi, my name is Joseph and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today at 517-256-2623 to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
https://josephmeyers.myasbagent.net/
Directions to My Office
Q&A with Joseph Meyers
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: One of the most important things a senior could know before choosing a Medicare Plan is that they are making a decision for their health insurance for the rest of their lives. For example, in Michigan only during your initial enrollment period do you get guaranteed acceptance into a medigap plan. You are getting health insurance not extra grocery $$
How can I make sure I'm not overpaying for my Medicare plan, and are there any tools or resources you recommend?
Answer: Find a local trusted insurance broker whom can answer your questions and explain things in easy to understand terms. If you are more of a do-it-yourself person I would highly encourage you to read through the Medicare and you book and also use the tools available on medicare.gov website
For Medicare Part D, why would someone pick a plan with a high total cost?
Answer: Part D plans with higher monthly premiums are normally more beneficial in having coverage for expensive specialty drugs. You may also save on copays and deductibles
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: I help folks in Michigan and after your initial enrollment into medicare here, you will have to health qualify for medigap(supplemental) plans. With our health you never know what is around the corner. If serious health issues wiping out your savings is a concern...and it should be. Medigap plans are the safest option.
What's the best way to avoid surprise bills for lab tests under Medicare Advantage?
Answer: When having lab tests done check with your Advantage plan agent or customer service center to ensure you are staying IN NETWORK! Also ask the medical provider ordering the labs if these are standard, common and preventative tests or if they are more rare. The insurance company can also help with pricing if they have all the information.
How much is spent on healthcare per year the U.S., and what does this amount represent per person?
Answer: I was surprised to find out that each person in the u.s. accrued about $14,500 per year in Healthcare costs or appx $4.9 trillion across the whole USA.
Can Medicare Part D deny coverage for a brand-name drug if a generic isn't available?
Answer: They are not allowed to deny you access to a drug just because a generic is not available. But the part D insurance company will have tiers and pricing for all of their covered prescriptions within their formulary.
If the brand name rx you need is not in their formulary then there is a formulary exception process and/or step therapy process you may have comply with.
Isn't it suspicious that Medicare Advantage plans offer gift cards and incentives to enroll?
Answer: They are not allowed to offer incentives to induce enrollments. I advise prospects and clients to be wary of offers like this.
Does Medicare cover Ozempic and other drugs prescribed for weight loss?
Answer: Part D providers offer a very large number of prescription medicines but the part D insurance companies require that you are using the medication for its intended use and many times these diabetic drugs such as ozempic are not going to be covered if you are using them for reasons besides being diabetic
Why do some seniors end up paying lifelong penalties for Medicare Part B or Part D?
Answer: My favorite answer would be because they didn't seek the knowledge and guidance of a licensed Agent.
But the real answer is because they didn't enroll for coverage when they needed to.
When you are medicare eligible you need to have your Part B start within 3 months of turning 65 or dropping credible employer coverage.
Part D rx coverage is similar but needs to be placed within 63 days of becoming eligible for Medicare