Joseph Smith, Medicare Insurance Agent
Joseph Smith
Banker's Life
Medicare Agent Licensed in SC, MD and NC
5+ Years of Experience
Contact Details
-
Location
North Myrtle Beach, SC
Joseph Can Help With:
About Me
Greetings! I'm Joseph, 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!
Q&A with Joseph Smith
What are my Medicare options if I move into a Continuing Care Retirement Community (CCRC)?
Answer: As far as what Medicare will pay for, Medicare Part A will pay for a portion of care for up to 100 days, but won’t pay any portion after 100 days. As far as options for Medicare plans? If the CRRC you are moving into is outside of your Medicare Advantage Plan’s service area, you will have a special election period to change to another Medicare Advantage Plan
My Medicare Advantage plan covers dental, but I can't find a dentist who accepts it. Is this a common problem?
Answer: Yes! This is a common problem. Most plans provide a list of dentists that accept your plan. You can obtain the list by contacting your plan.
Why am I paying more for Medicare Part B and D than my friends? What is IRMAA and how is it calculated?
Answer: You are paying more for Medicare Part B and D than your friends because of your income. IRMAA is an income related monthly adjustment that applies to Medicare Part B and D. The IRMAA is calculated based on your tax return from 3 years prior.
For Medicare Part D, why would someone pick a plan with a high total cost?
Answer: For Medicare Part D, someone would pick a plan with a high cost for a few different reasons. It could be that it covers their prescriptions better than a cheaper plan, or that particular plan participates at a specific pharmacy they want to go.
What should I look for in a Medicare plan if I travel frequently both domestically and internationally?
Answer: If you plan to travel frequently, you are going to want to look for a Medicare Supplement as opposed to a Medicare Advantage Plan. Medicare Supplements offer coverage anywhere in the US and even a limited amount of international coverage.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: The short answer is no. In a normal situation, you would have to answer health questions to switch to a Medicare Supplement. In special situations such as involuntary loss of coverage with a Medicare Advantage Plan, you would be able to go into select Medicare Supplemental plans with no health questions.