Kilolo Thomas, Medicare Insurance Agent
Kilolo Thomas
Pearl Benefits Solutions
Medicare Agent Licensed in NJ, MS, NY, PA, SC and TX
10+ Years of Experience
Contact Details
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Location
Franklin Park, NJ
Kilolo Can Help With:
About Me
Hello! My name is Kilolo Thomas and I worked in the healthcare industry for over 30 years. I saw
how patients, especially seniors, faced challenges understanding all the facets of the healthcare
industry. It has become my life mission to help others navigate through the complex world of
healthcare. I established Pearl Benefits Solutions to assist seniors in choosing the best plans to
meet their individual needs and remain their dedicated benefits consultant assisting and guiding
along the way.
Q&A with Kilolo Thomas
I'm on Medicare but recently declared bankruptcy due to medical bills. How will this affect my coverage and options going forward?
Answer: Hi! In general, filing bankruptcy does not impact Medicare eligibility, however, if your financial situation has changed, you may want to explore what Medicare plans are available that may be a better fit for your current situation. For me to help, I would need to know a little more about you. Feel free to send me your Medicare number, Date of Birth and zip code and I can see what your options are.
Look forward to helping you!
Kilolo Thomas
609-331-9916
[email protected]
What are Medicare’s coverage options for mental health apps or virtual therapy platforms for seniors with depression or anxiety?
Answer: Great Question! You should look into mental health benefits available to you through Part A, Part B and Medicare Advantage plans.
What happens to my Medicare coverage if I move to a U.S. territory like Guam or the Virgin Islands?
Answer: No, you do not lose Medicare, however, services outside of the country are not covered.
If you are just visiting, some supplemental and advantage plans may cover emergency services. Other than that, no services will be covered.
What is the biggest disadvantage of Medicare Advantage?
Answer: Medicare Advantage plans in general, require you to stay within their network of doctors for lower copays/coinsurance. Some Medicare recipients prefer more flexibility in choosing their doctors opt for Medicare Supplemental plans in which they pay a monthly premium.
What do I need to do if I didn't take Medicare at 65 and am now retiring?
Answer: You need to now enroll in Medicare. Next steps depend on if you have retiree benefits or not. Recommend you work with a licensed agent.