Kevin Dover, Medicare Insurance Broker
Kevin Dover
Medicare Supplement Services
Medicare Broker Licensed in FL, AL, AR, CO, GA, IA, ID, KS, KY, LA, MO, MS, NC, OH, PA, SC, TN, TX and VA
21+ Years of Experience
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Niceville, FL
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About Me
With nearly two decades of experience, Kevin and his staff has guided thousands of Medicare beneficiaries toward lower costs, better coverage, and additional benefits.
Contact him today to schedule a FREE, no-obligation Medicare review.
Directions to My Office
My Google Reviews
59 Total Reviews (5.0 )
March 28, 2026
We can't be more grateful to this team of professionals. The warm greeting we received and the inviting environment put us at ease immediately. They were dedicated to meeting our Medicare needs in a professional and caring manner. Once established with their team, they will always be there for you. We feel like we have a friend for life, and that's invaluable. Go team Dover!
March 27, 2026
Kevin and Cole Dover were very welcoming to me and all my Medicare questions. We discussed Medicare supplemental plans and Medicare Advantage plans. After much debate, my final decision came down to knowing I could try a Medicare Advantage plan for one year then switch if I wasn’t happy with it.
March 17, 2026
Very helpful in helping us find a MCR Advantage plan after our current plan was no longer in the network with our PCP. I will use them again if needed.
March 11, 2026
Very helpful. I wasn't sure what I was looking for, but Kevin made the process easier. Thank you so much.
March 9, 2026
We can't be more grateful to this team of professionals. The warm greeting we received and the inviting environment put us at ease immediately. They were dedicated to meeting our Medicare needs in a professional and caring manner. Once established with their team, they will always be there for you. We feel like we have a friend for life, and that's invaluable. Go team Dover!
Q&A with Kevin Dover
Answer: Yes, if your doctors notices memory issues, Medicare will cover a comprehensive cognitive evaluation.
Answer: That is a broad question. I have to assume you are asking about behavioral health? No referral is needed for standard outpatient therapy. Some hospital based/intensive programs ask for a physician to give input on the medical necessity.
Answer: Yes, Medicare Part D covers most oral and self-administered medications for people dealing with depression and anxiety.
Answer: Yes, pulmonary rehabilitation is covered for people with moderate to severe COPD and other lung conditions when ordered by a doctor.
Answer: Yes, chemotherapy and any associated supplies including radiation is covered by Medicare Part B. Medicare will 80% with the patient paying 20%. Medigap plans usually reduce this to $0. Medicare Advantage plans typically charges a fixed copay of 20%. This is in my experience is the quickest way to meet the Advantage plans Maximum Out of Pocket.
Answer: Yes, Medicare covers stress tests, EKG's, echocardiograms and anything that is "Medically Necessary".
Answer: Heart medications/prescriptions are covered by Part D and picked up at your chosen pharmacy. Pacemakers, Defibrillators, Stents etc. are covered by Medicare Part B.
Answer: Yes, Medicare pays for all of the above. Medicare beneficiary with a Medigap plan G typically pays just the Part B annual deductible ($288). After Medicare pays 80%, the Plan G pays the balance. Medicare Advantage plan range from $200-$700 for the surgery.
Answer: No, Medicare does not pay for an aide/nurse to remain in the home for safety or supervision. Medicare does pay for Hospice - end-stage dementia; typically where life expectancy is less than 6 months.
Answer: Yes, Inhalers are covered under Medicare Part D. Nebulizers are considered Durable Medical Equipment (DME) and covered under Part B.
Answer: Yes, they are. Medicare pays 80% of the approved amount. Patient pays 20% coinsurance unless they have Medigap/Supplement in which case it usually reduces to $0. A Medicare Advantage plan varies by plan, but typically $0-$40.
Answer: Colorectal, Breast, Cervical/Vaginal, Prostate, Lung and Skin. All are 100% paid by Medicare. They each have their own screening intervals.
Answer: Medicare is confusing. It has dozens of moving parts, deadlines, rules, penalties and plan differences. A good agent breaks everything down in plain English so you feel confident, not overwhelmed. And most importantly is doesn't cost you anything. Plan costs are the same whether you use an independent agent or call directly to your chosen Insurance Company.