Kerry Clapper, Medicare Insurance Agent
Kerry Clapper
Medicare Agent Licensed in PA and FL
17+ Years of Experience
Contact Details
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Location
Duncansville, PA
About Me
Greetings! I'm Kerry, 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 Kerry Clapper
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: My go to quote when a client asks me this question is, "I am going to help do what is best for you, not your neighbor and vice versa." Everyone views their health, budget and needs differently. So, when I am helping a client decide on which Medicare product to go with, I ask what their needs and wants are.
Therefore, you are not "crazy" for paying for a Medigap plan just like your neighbor is not "crazy" for enrolling in a Medicare Advantage plan that doesn't cost anything. Do what is best for you.
I have Original Medicare, a Medigap Plan G, and a Part D plan, but I'm still facing high costs for my specialty medication. What options exist for someone in my situation?
Answer: Specialty medications are typically a Tier 5 medication: therefore more expensive full price and high cost to the Beneficiary. Solutions can be to look for a Part D plan that has a lower coinsurance for Tier 5 medications. There may be some assistance programs those on Medicare can still qualify for through various drug manufactures, Medicare's Extra Help Program and your State Pharmaceutical Assistance Program.
Medicare also put a cap on how much a Beneficiary can pay for their Part D medications each year and all Part D plans offer the Medicare Prescription Payment Program where you can pay over the year for your medications.