Kristen Maurice, Medicare Insurance Agent
Kristen Maurice
Acuity Health Advisors
Medicare Agent Licensed in TX, AL, CA, CO, FL, GA, KS, MI, MO, NC, OH, SC and TN
7+ Years of Experience
Contact Details
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Serving
Yoakum, TX
About Me
Kristen Maurice is an independent Medicare insurance agent who believes choosing Medicare coverage shouldn't have to be confusing or overwhelming. With more than 9 years of experience in the insurance industry and over 7 years specializing in Medicare, Kristen has helped hundreds of individuals and families confidently navigate their Medicare options.
As a Certified Senior Advisor (CSA)®, Kristen takes an education-first approach, making sure her clients understand their choices rather than simply selling them a plan. She is certified with all major Medicare insurance carriers in the area and can help compare Medicare Advantage plans, Medicare Supplement (Medigap) plans, and prescription drug plans to find coverage that fits each client's individual needs and budget.
Kristen's commitment to her clients doesn't end after enrollment. She believes in building long-term relationships and being a trusted resource as their healthcare and insurance needs change over the years. That personal service has helped her earn more than 150 five-star Google reviews from clients.
Deeply rooted in the Murfreesboro and Rutherford County community, Kristen also serves on the board of the Rutherford County Council on Aging.
Whether you're approaching Medicare for the first time, reviewing your current coverage, or simply trying to make sense of all the options, Kristen's goal is simple: make Medicare easier to understand and help you feel confident in your decision.
Directions to My Office
Q&A with Kristen Maurice
If Medicare Supplement (Medigap) plans are better for long-term coverage, why don't more people choose them?
Answer: Medicare plans are not "one size fits all". People choose other options for many different reasons. The most common reason I find is budget. Also, some people like the all-in-one convenience that a Medicare Advantage plan provides. There are advantages to both options, and that is why it is essential to learn about each plan so that you can decide what is best for you.
Can I show my Original Medicare Card instead of my Medicare Advantage card, if my provider doesn't take my advantage insurance?
Answer: No. Once you enroll in a Medicare Advantage plan, your care is completely managed by your Advantage plan carrier. Original Medicare will no longer process your medical claims. In most cases, you will not be able to use a provider that does not accept your Advantage plan.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: If you are collecting Social Security when you turn 65, you will automatically be enrolled in Medicare Part A & B. You will receive your Medicare card in the mail 3-4 months before your birthday month. You will want to speak to a licensed agent approximately 3-4 months before your Medicare begins to help you select the Medicare plans that best fit your needs. Working with an agent is at no cost to you, and you will get expert advice to guide you through the process of selecting and enrolling in plans.
I'm getting conflicting information about whether Medicare covers my specific medication. How can I get a definitive answer?
Answer: All Part D plans have their own drug list, or formulary. To get a definitive answer as to whether or not a drug is covered by a particular plan, it is best to check the formulary of the plan you are looking to enroll in. All Part D plans must post their formularies online for the public. You can find the formulary for a particular plan by putting the plan name and your state into a search engine.
What is Guaranteed Issue for Medicare Supplement plans, and when does it apply?
Answer: Guaranteed Issue means that you do not have to pass underwriting (health questions) in order to be accepted into a plan. You are "guaranteed" to be accepted, no matter your health history or pre-existing conditions. There are a few times when this applies, including moving out of the service area of a Medicare Advantage plan in which you are enrolled, your Medicare Advantage plan leaving Medicare, or your employer plan ending. You can find all of the eligible Guaranteed Issue Rights in a handbook distributed by the Centers for Medicare and Medicaid Services titled "Choosing a Medigap Policy" or on the Medicare.gov website.
What's the financial risk of sticking with Original Medicare without a Medigap plan?
Answer: It is financially risky to have Original Medicare with no Medigap plan as Original Medicare has no maximum out of pocket. This means there is no cap to your medical expenses. This could potentially lead to hundreds of thousands in bills. It is always recommended to have either a Medigap or a Medicare Advantage plan to pair with Original Medicare to ensure you have a cap to your out of pocket medical costs.