Kimberly Hargis, Medicare Insurance Broker
Kimberly Hargis
Insurance Broker
Medicare Broker Licensed in TN, FL and KY
Contact Details
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Location
Tazewell, TN
About Me
Hi, my name is Kim and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Kimberly Hargis
Answer: The Inflation Reduction Act’s changed what plans offered as far as extras. The OTC, food cards are a couple things affected by the IRA. The insurance companies lost a lot of funds due to the prescription max out of pocket going down to $2000 for the year. The Medicare Advantage plans are as good as ever as far as benefits.
Answer: If you can afford the monthly payment, a Medigap plan is the route I would recommend. When you turn 65 is the best rates and guaranteed issue when aging in. If you’re younger than 65 and not on Medicare, it’s quite expensive.
Answer: Yessss. Original Medicare has NO max out of pocket meaning you could go broke with the 80/20 split.
Answer: Some Medicare Advantage plans have telehealth for specialists. It just depends on the insurance carrier. You could check it out on Medicare.gov website.
Answer: It's heading toward all digital and no more paper. No paper enrollment kits, no paper applications. All digital.
Answer: When the member/beneficiary doesn’t have internet. And when they don’t know their password. Makes it difficult to do a good job.
Answer:
Call the Medicare 1-800-MEDICARE helpline.
You can also report it online through Medicare.gov or through the Internet Crime Complaint Center
Answer:
Medicare Part D is prescription drugs.
When you go on Original Medicare, you must get a Medicare Part D plan. Original Medicare doesn’t include a drug benefit.
Most Medicare Advantage plans have the Part D built in.
Answer: Original Medicare does NOT cover hearing aids. Most Medicare Advantage plans do cover hearing aids. You will have to pay a copay for each ear.
Answer: I personally do not see a disadvantage when it comes to Medicare Advantage compared to Original Medicare. Original Medicare has no max out of pocket and no extra benefits. No drug plan is included. Medicare Advantage has a max out of pocket, drug plan, and lot's of extras including some plans giving gym memberships, dental, vision, and hearing.
Answer:
Medicare Advantage plans have what they call preventive services. One free wellness check (physical) is permitted each year. If you got billed for it, it is possible you used your free one.
The other possibility is your plan did not offer a no cost annual physical.
Answer: There is no need to worry about the "donut hole" as it does not exist anymore. Once you spend $2,000 in prescription drugs you pay no more the rest of the year.