Kim Cotten, Medicare Insurance Broker
Kim Cotten
Senior HealthCare Solutions
Medicare Broker Licensed in FL, AL, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI and WV
3+ Years of Experience
Contact Details
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Location
Titusville, FL
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Phone
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Website
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Facebook
About Me
Married to my best friend. Mom of 3. Love helping others and living happy!
Directions to My Office
Q&A with Kim Cotten
What do you like most about being a Medicare agent?
Answer: I LOVE being a Medicare Agent. Navigating Medicare can be confusing and overwhelming, especially for those transitioning into retirement or dealing with health challenges. I take pride in being able to guide my clients to a plan that truly meets their needs. Every conversation is a chance to build a relationship, offer peace of mind, and ensure someone feels more confident about their healthcare decisions. I make transitioning into Medicare Fun and Stress free!
What's the most frustrating misconception you have to clear up with clients about Medicare every year?
Answer: One of the most frustrating misconceptions I often have to clear up is the belief that Medicare is completely free and covers everything. Many clients are surprised to learn that Medicare has premiums, deductibles, copays, and that it doesn’t cover everything like dental, vision, hearing, or long-term care. Medicare plans are not a one size fits all and when i meet with my clients, i do a Client Needs Assessment to find the right plan for YOU.
If I live part of the year abroad, do I still have to pay for Medicare if I don’t use it?
Answer: Yes, in most cases, you still have to pay for Medicare even if you live part of the year abroad and don’t use it, especially if you want to avoid penalties or gaps in coverage later.
How does Medicare Part B handle coverage for preventative screenings like mammograms?
Answer: Medicare Part B covers preventive screenings like mammograms quite comprehensively, often at no cost to the beneficiary. Screening/Preventative Mammograms have no cost but Diagnostic Mammograms you’ll typically pay 20% of the Medicare-approved amount after your Part B deductible is met.
I'm a low-income senior who can't afford my prescription drugs even with Medicare Part D. What specific assistance programs should I apply for?
Answer: There is Medicare extra Help (LIS). This program assists individuals with limited income and resources in paying for Medicare Part D Prescription drug coverage.
What is the biggest disadvantage of Medicare Advantage?
Answer: Medicare Advantage plans can have a Limited Choice of Providers, Prior Authorizations, and Hidden Out-of-pocket costs.
Can I change my Supplemental/Medigap plan at any time?
Answer: Yes, you can apply to change your Medigap/Medicare supplement at any time however you must be aware that after your Medigap Open Enrollment period of 6 months ends, Insurance companies can ask health questions (medical underwriting)