Kerry Fletcher, Medicare Insurance Broker
Kerry Fletcher
Fletcher Financial Insurance & Consulting Services, LLC
Medicare Broker Licensed in OH, AL, AR, AZ, CA, FL, GA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, NJ, NM, NY, OK, PA, SC, TN, TX and VA
16+ Years of Experience
Contact Details
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Location
Columbus, OH
About Me
Greetings! I'm Mr. Kerry E. Fletcher, a Licensed Medicare Health Insurance, Life and Affordable Care Act Broker & Agent.
Accident & Health Insurance via Medicare Advantage Plans,(M.A.) Medicare Advantage Prescription Drug Plans,(M.A.P.D.) Medicare Supplement Plans,(Med. Supp.) Regular Supplement Plans,(Reg. Supp.) Standalone Prescription Drug Plans,(P.D.P.) Standalone Dental-Vision & Hearing Plans,(D.V.H.) & Affordable Care Act Individual & Family Plans,(A.C.A.) are Areas of Expertise our Brokerage Thrives on. We are Fully Committed to Helping You and Your Family Pinpoint the Most Suitable & Comprehensive Plan or Policy According to You and/or Your Family's Specific Individual or Family's Needs and Budget.
*****MANY PLANS COME WITH A $0.00 MONTHLY PREMIUM*****
With That Being Said...YOU HAVE NO WORRIES!
We'll Handle All the Research and Comparison of All the Plans, Options and Benefits Available to You in Your Zip-Code From the Top National Carriers and Even Some Local Carriers You May Not Have Even Heard of, So You Can Just Sit Back....Relax and We'll Handle Everything!
Plus, Our Assistance Comes at ABSOLUTELY NO COST TO YOU!
If You Would Like to Know What's Available For You...Like Benefits in the Form of A Flex Card for Groceries & Over-The-Counter Items. Utility Benefits to Pay for Your Electric, Gas, Water & Mobile Phone Bills. Mortgage & Rental Assistance Cash Benefits to Help Pay for Those Bills. Dental, Vision and Hearing Coverage, Cash Back of the $202.90/Mo.(Mandatory & Payable By You) Medicare Part-B Premium, Credited Back to Your Social Security Check Along with A Host of Other Complimentary Plan Benefits, Call Us Today to Discuss Your Medicare Advantage, Med. Supp. Or Affordable Care Act Insurance Options & Possibilities!
Looking Forward to Hearing From You Soon to Provide FREE ASSISTANCE. :-)
We Are Professionally Licensed In:
OH, AL, AR, AZ, CA, FL, GA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, NJ, NM, NY, OK, PA, SC, TN, TX, and VA.
Directions to My Office
Q&A with Kerry Fletcher
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: In reality, it's a preference and depends on a few factors. 1st Medicare advantage may have a $0.00 monthly premium for the plan itself, but in both cases, you "may" (depending on the plan) still have to pay your Medicare Part-B Premium.... So NO, it's not "free".
2nd. With Medigap or Med. Supp, there are fewer pre-authorization hiccups, which can speed up service. Medicare Advantage plans often require prior authorization for surgeries or specialist visits, which can lead to denials or delays in care. With Medigap, you have fewer administrative hurdles.
3rd. Financial Predictability. Medigap plans (especially Plan G) are designed so you know exactly what your out-of-pocket costs will be—usually just the yearly Part B deductible. Medicare Advantage plans have a maximum out-of-pocket limit that can be as high as $9,250+ per year (in 2026).
Medicare Advantage plans often have $0 premiums, but you pay for services through copays and coinsurance (If they apply) when you actually use them. If you get sick or need regular care, those costs can easily exceed the cost of a Medigap premium. Medigap is "pay in advance" (you pay a higher premium, but you have lower or no costs at the doctor).
If you do decide to get a Medicare Advantage Plan, it may be a wise decision to drop your Medigap plan because you will be paying for coverage that you do not need.
Our licensed professionals are always here to help for FREE.
What is one of the the most common misconceptions people have about Medicare?
Answer: One of the the most common misconceptions people have about Medicare is that coverage is at 100%
Medicare coverage percentage varies by service, but generally, Original Medicare (Parts A & B) pays about 80% of approved costs for Part B services (like doctor visits) after the deductible, leaving you with 20% coinsurance, while most people get Part A hospital coverage premium-free, and Medicare Advantage plans (Part C) offer different cost-sharing with potential 100% coverage after limits, depending on the plan.
Does Medicare cover Breztri?
Answer: Depending on your current or newly chosen Medicare Advantage Plan, It Should be covered. You may or may not have to pay a co-payment while visiting your pharmacy.
I applied for a Medigap plan and got denied because of my health history-how is that even legal when I've paid into Medicare for years?
Answer: It's legal because Medicare Supplement (Medigap) plans are sold by private companies that can use medical underwriting (health questions) to deny coverage or charge more unless you're in a special "Guaranteed Issue" period, like your initial one when first getting Medicare Part B.
Even though you paid into (Original Medicare), Medigap is a separate, optional policy that supplements it, and federal law allows underwriting outside of specific guaranteed times, though some states offer extra protections.
Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones?
Answer: You can continue to see your same doctors and specialists, however, according to your insurance plan and the contract they (your doctors) have with your insurance plan, make sure that they are considered to be "In Network."
Even if they are considered to be or have shifted to being "Out of Network" you can still see them. Just consider that higher deductibles, co-payments and co-insurance cost (if any) May take place rather than if they were considered to be "In Network."
Our Certified Licensed Professionals at Fletcher Financial Insurance & Consulting Services, LLC always make sure that you can obtain the maximum health insurance benefits you qualify for while trying to maintain you at a $0.00/Mo. premium.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a licensed Medicare agent or broker such as the brokers at Fletcher Financial Insurance & Consulting Services, LLC can help you navigate the complexity of the Medicare program, receive personalized plan recommendations, avoid potentially costly enrollment mistakes, and provide ongoing support, all at no extra cost to you. Sometimes an agent only represents 1 carrier whereas a broker represents several different carriers and can compare many different carriers and their plans giving you a wider choice of options.
I'm turning 65 in three months but still working with employer coverage. Do I need to sign up for Medicare right now or can I wait?
Answer: You can likely wait to sign up for Medicare Part B (Medical Insurance) without penalty if you have health coverage from a current employer (or spouse's) with 20+ employees, but you should enroll in Part A (Hospital Insurance) as it's usually free and can work alongside your job plan; contact the Social Security Administration (SSA) to confirm your employer size and enrollment window to avoid gaps or penalties when you eventually stop working.
Key Considerations
Employer Size Matters: If your employer (or your spouse's) has 20 or more employees, you can delay Part B enrollment and use your employer plan as primary, using Medicare as secondary. If fewer than 20, Medicare becomes primary at 65, and you need to sign up for both Parts A & B to avoid gaps/penalties.
Part A (Hospital): Most people get Part A premium-free. You can enroll at 65 and it often acts as secondary to your employer plan, helping with deductibles/coinsurance.
Part B (Medical): You can delay Part B without penalty if you have qualifying group health coverage from your current work. You'll use a Special Enrollment Period (SEP) to sign up later when you stop working.
Part D (Prescription Drugs): Ensure your employer's drug plan is "creditable coverage," meaning it's as good as Medicare's Part D, to avoid penalties later.
What You Should Do Now (3 Months Before 65)
Contact SSA: Call the Social Security Administration or visit their website to understand your specific enrollment windows and options.
Talk to HR: Confirm your employer's group size and that their health plan is primary and considered "creditable" for Medicare purposes.
Consider Part A: Sign up for Part A if you're not automatically enrolled (if you're not collecting Social Security yet).
Plan for Part B: Decide if you want Part B to supplement your employer plan or wait until retirement to enroll via your SEP.
In short, You can likely wait to sign up for Part B, but it's crucial to coordinate with the SSA and your HR department to ensure you