Joshua Price, Medicare Insurance Broker
Joshua Price
Healthcare Solutions Team
Medicare Broker Licensed in OH and PA
4+ Years of Experience
Contact Details
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Location
New Waterford, OH
About Me
My name is Joshua, and I am your local Medicare insurance agent. Specializing in Medicare, I am committed to assisting you in finding the most suitable plan tailored to your specific needs and budget. I will handle the process of reviewing plans from both nationally and locally recognized companies, saving you the effort. Best of all, my services are provided at no cost to you. Contact me today to discuss your Medicare insurance options, and kindly mention that you discovered me through Medicare Agents Hub.
Q&A with Joshua Price
What do you enjoy most about working with Medicare clients?
Answer: What I enjoy about working with Medicare clients is that I get to help them pick plans that meet their needs, and I enjoy seeing them satisfied with the plan that they chose. The other thing that I enjoy is learning about their family because as they get older, I might have to work with their family to help them in their time of need.
What are the types of Medicare Advantage plans?
Answer: While there are several different options to Medicare Advantage plans, there are two that you need to consider:
1) Medicare Advantage (MA) WITHOUT drug coverage: This is good for those who have already signed up for a separate drug coverage. If you haven't, you can sign up for a standalone Part D coverage.
2) Medicare Advantage WITH Drug Coverage (MAPD): This is a great option for those who want an all-in-one benefit coverage.
Please take note that you must have Part D coverage when you sign up for Medicare, even if you currently don't take prescriptions. You will incur a lifetime penalty if you don't sign up at the beginning. Let's break that down.
Let's say that you decided at the initial sign-up to skip part D of the sign-up. Fast forward 18 months, and you will be charged a late enrollment penalty that will be added to the Part D Premium.
Therefore, you are further ahead to sign up for Part D at the beginning, as opposed to waiting until you need it.
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: Great question! The first steps that you need to do is sign up for social security. You can do that either online, on the phone, or at your local social security office. Once you sign up, you need to make sure you get your Medicare ID number and write that down somewhere so you can find it easily. Now you will get a hard card with that information, but if you can get it before hand it will make signing up much easier.
Once you complete all that, contact me to start the process to sign up for Medicare and I will walk you through the rest of the process.
I changed my plan during Open Enrollment and now I can't see my regular specialist. Isn't this what the whole review period is supposed to prevent?
Answer: First of all, I know how frustrating it can be to find out that a specialist isn't a part of your new plan. However, there might be a few things that you might want to try to see if you can still see them.
First, try contacting your provider to see if there are any exceptions or if they can offer any alternatives for seeing your specialist. Also, call your specialist office to see if they would accept an out-of-network rate. Some providers may allow you to visit at a higher cost. The last thing you can do is call your agent to see if they have any access to Medicare advantage plans or Supplement plans that may have your specialist in their network.
Learn from this mistake in the next open enrollment period and make sure that all of your doctors and specialist are covered before signing up.
How can I verify if a Medicare Advantage plan's advertised benefits are legit?
Answer: That is a great question! Well, there are a few things you can do to verify if the benefits are legit. You could review the plan's official documentation that you should have received in your meeting with an agent. You can also call the customer service department of the company that you choose to provide your benefits. You can also meet with a Medicare broker who will review your plan with you and also provide you with information to help you understand your plan.
What do you like most about being a Medicare agent?
Answer: The thing I like most about being a Medicare agent is that I get to help people choose their plan that is right for them. I take each client seriously and I enjoy spending time with my clients.