Karen Colbert, Medicare Insurance Broker

About Me

Hi! My name is Karen, and I am your dedicated Medicare consultant and broker. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!

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Q&A with Karen Colbert

How do Medicare Savings Programs help with Medicare costs?

Answer: It cuts the cost or it can eliminate cost of proscriptions. If a plan has a prescription deductible. The deductible will be waived as well as copays. This also depends on the qualifying type. It could help pay for Part A and Part B premiums and coinsurance.

If I switch plans to cover a brand-name eye drop my current plan won’t cover, but my new doctor later takes me off that medication after open enrollment ends, do I have any way to change my plan again?

Answer: Typically no you cannot. It also may depend on the type of plan you have. Medicare advantage plan is a possibility or a stand alone drug plan.

How do I know if my prescriptions will cost more next year?

Answer: Plans are updated on year to year basis. You should receive an Annual Notice of change regarding changes that are being made for the next year. This information is usually mailed in September of each plan year.

What are the reasons why I should work with a Medicare agent?

Answer: You will receive direct contact and personailzed support with any questions or any changes that need to be made regarding your medical benefits. You would no longer be subject to using the 800 number in most cases. (not all)