Justin Lester, Medicare Insurance Broker

Answer: The biggest difference is really how the coverage works alongside Medicare.

Supplemental insurance, like a Medigap plan, is designed to help pay some of the costs that Original Medicare doesn’t cover, such as deductibles, coinsurance, and copays. Medicare pays first, and the supplement helps with the remaining costs depending on the plan.

Secondary insurance is a broader term. It simply means another insurance plan that pays after Medicare. A Medicare Supplement is one type of secondary coverage, but other types of insurance can also be secondary.

So, in simple terms: Medicare is primary, and the secondary/supplemental coverage helps pick up costs Medicare doesn’t pay. The important thing is understanding exactly what type of plan you have and how it coordinates with Medicare.

Answer: I start by keeping it simple and explaining Medicare step-by-step. I focus on their specific situation, answer questions, and make sure they understand their options before making any decisions. My goal is to educate first and help them feel confident about their coverage.

Answer: The best way is to check directly with your Medicare plan or Part D provider. They can confirm if the medication is covered, what tier it falls under, and what your cost will be. You can also ask your pharmacist to verify coverage before filling the prescription.

Answer: Be patient, listen to their concerns, and include them in every decision. Help them compare their options, explain things in simple terms, and encourage them to ask questions. The goal is to help them feel informed and confident not pressured. Working with a local agent can be a wonderful solution to this.

Answer: Medicare Advantage plans aren't truly free. Many have a $0 monthly plan premium, but you must still pay your Medicare Part B premium, and you'll usually have copays, coinsurance, and other out of pocket costs when you receive care.

Answer: Yes, for many people. The 2025 Medicare Part D changes include a $2,000 annual cap on out-of-pocket prescription drug costs, which can significantly reduce expenses for those taking high-cost specialty medications. You may also have the option to spread those costs over the year instead of paying large amounts all at once..

Answer: The best way is to make sure that you understand your MA's network and whether that doctor/lab is in network. It could also be a great idea to ask your doctor if prior authorization is needed and to check your insurance so you know what, if anythingm you'll owe.

Answer: What I enjoy most is helping people understand their options and giving them confidence in their decisions. Medicare can be confusing, and it's rewarding to make the process simple while helping clients find coverage that fits their needs and budget.

Answer: Original Medicare was originally designed to cover major medical expenses, but unfortunately not every healthcare cost such as dental, vision, hearing, cosmetic surgeries, long term care etc.

That's why there is deductibles and coinsurance.. Many people fill those games with a Medicare Supplement plan, Part D plan, hospital indemnity, cancer plan, long term care plan and sometimes replace original medicare with a Medicare Advantage (Part C) plan.

Answer: Medicare is consistent with one thing more than anything else, and that is simply change. While the lawmakers sometimes propose changes to Medicare funding, your coverage doesn't get cut automatically. If changes are ever made, you'll be notified and have time to review your options with one of our local agents.

Answer: The best strategy is the make the meeting personal, start asking questions about their plans for retirement and goals they may have. Make them heard. Speak clearly and maintain eye contact through the camera.

Answer: My Agency helps our clients apply for the Medicare Savings Program at the state level. We are not able to guarentee whether or not they qualify for the MSP but we do assist in applying for it.

Answer: It depends. Most retired federal employees keep their FEHB coverage, but many still enroll in Medicare Part A because it's usually premium-free. Whether to enroll in Part B depends on their health needs, costs, and how they want FEHB and Medicare to work together. It's worth reviewing your options before deciding.

Answer: If the bills involve Medicare-covered services, Medicare payments should generally be reflected in the provider's billing records. If they aren't, it could mean the claims were never submitted. Request a Debt validation and ask the original provider for any itemized billing statements covering 2017-2024. If you believe te claims were processed incorrectly or you need help understanding what was paid I'd refer that you call Medicare directly.

Answer: To be provided straightforward and honest guidance without having to rely on one insurance company and there plans, to be given a pathway to personalized recommendations.