Kelly Linster, Medicare Insurance Agent
Kelly Linster
Linster Agency LLC
Medicare Agent Licensed in ND, AZ, CO, IA and SD
Contact Details
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Location
West Fargo, ND
About Me
Greetings! I'm Kelly, 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!
Directions to My Office
Q&A with Kelly Linster
Answer: You’ll have questions before, during and after the sale. I’m an agent who answers his phone in time of need.
Answer: If given the choice choose PPO, you will not be locked into one organizations doctors. Way more options to choose.
Answer: It’s the worst it could be if you have a terrible health year. It’s the cumulation of copays and possible coinsurance cost sharing. Think of it as a stop loss!
Answer: Depending on federal plan you are offered, you may or may not have to enroll in part B of Medicare. Potentially saving you the part B premium.
Answer: Medigap plans are standardized benefits. Meaning whether you purchase company A or companies X,Y or Z they will all fill in the gaps of Medicare the exact same way.
Answer: I would recommend looking 3-6 months before your 65th birthday. This allows you to get fully educated and pick the plan that fits your needs best.
Answer: These benefits are highly dependent on the Medicare Advantage plan you pick. Better network means optimizing all your dental benefits.
Answer: I don’t disagree with your question. We must keep in mind that changes to original Medicare will take an act of Congress, literally and figuratively.
Answer: Yes you will be capped at $2000 maximum out of pocket (MOOP). One must check to make sure the medicine is on the formulary.
Answer: IRMAA looks back two years to determine your surtax. Consulting an account could help in smoothing out the IRMAA adjustments.
Answer: All Medicare Advantage plans have to submit to CMS all extra benefits and incentives they plan to offer to all potential enrollees. They will not discriminate who gets these benefits.
Answer: It never hurts to take a look. By all means you don’t have to make a switch if you don’t want to. But it’s not a bad idea to see what other competitors are offering.
Answer: I would talk or meet face to face to a Medicare Specialist. They will be able to address all worries and have the ability to get you off on the right foot.
Answer: Prior authorizations are a function of the medicines being taken. This issue would happen with most Part D plans. The beauty is you’re not locked in forever. We can help you evaluate a new plan in the fall.
Answer: Better is a very subjective term. I find when a client is educated on both Advantage plans & Supplement plans. They choose what fits their needs the best from the very start of Medicare.
Answer: You should be fine with not signing up but it is always best to seek out a local agent to discuss your specific situation.
Answer: It all depends whether you have chosen to go Supplement or Advantage. What’s cheap to one person is expensive to the next. Get good council and then choose according to your comfort level.
Answer: Yes I feel treatment first vs. prevention is a little backwards in my honest opinion. But as an advisory, I advise and customer chooses which route to go.
Answer: I would focus on the agents that educate first, sell second. Education is very empowering when it comes to which plan you must choose upon being eligible for Medicare.
Answer: Both Advantage and Supplements will cover CGM’s. They differ on how the equipment is covered. Seek out good council to how you want to attack this with your Medicare insurance.
Answer: Doctors are allowed to decide what insurance carriers they will accept. Depending on the plan you have the copays may be the same or possibly higher. Just as your doctor has the choice on what insurance he will accept, you can always find a new doctor who accepts the plan you bought.
Answer: As long as your Part A is active you’ll have hospital coverage. You must stay overnight in the hospital and pay your Part A deductible. ($1676 for 2025) When both of these are satisfied your hospital stay will be covered.
Answer: I feel education is key. I educate on both advantage and supplements. The client than can pick what’s best for their situation.
Answer: The short answer is yes. However you will have to go through medical underwriting (health questionnaire) to determine eligibility to change. A handful of states have a birthday rule where you can switch without underwriting.
Answer: Original Medicare does not pay for hearing aides. If you have original Medicare, you would need to have a dental/vision/hearing plan in addition to your Medicare supplement. Hence why people pick Medicare Advantage plans because they often provide some assistance with hearing aides.
Answer: It depends on what plan you already have in place. If it’s a Medicare Advantage plan you will mostly get a Special Election Period (SEP) to choose a new one from the state you move to; if you chose a Medicare Supplement most likely you will not have to do anything other than a change of address.