Ken Banks, Medicare Insurance Broker
Ken Banks
The Alford-Banks Group
Medicare Broker Licensed in GA, AL, FL, LA, NC and SC
Contact Details
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Location
Atlanta, GA
About Me
Hi, my name is Ken and I am your local Medicare, Individual Health and Life Insurance broker. Medicare and Life are my specialties and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare, Individual Health or Life insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Ken Banks
What are the reasons why I should work with a Medicare agent?
Answer: To make sure you're getting every benefit that you may qualify for. Also to make a sound decision with your health needs.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Majority of the plans are no cost to you. Some plans may have a premium but many will not. Always make sure that question is answered before you enroll in a plan.
I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?
Answer: Yes, you do need to meet your Part B deductible before Medicare begins covering your physical therapy costs. Once your deductible is met, Medicare will typically cover 80% of the approved cost for outpatient physical therapy, and you will be responsible for the remaining 20%. The Part B deductible for 2025 is $257. Medicare will only cover physical therapy that is deemed medically necessary.
I'm homebound and need remote monitoring for my heart condition. What Medicare benefits might apply to someone in my situation?
Answer: IF the device is medically necessary, then Medicare will cover it. Otherwise, you will have to pay for a home heart monitor out-of-pocket.
How do you approach educating clients who are new to Medicare versus those who are considering switching plans?
Answer: New or old, I make sure they all know the basics of Medicare and options available to them. There is alot of misleading info out in the Medicare world so I ensure they have the correct knowledge.