Kristin Cloud, Medicare Insurance Agent
Kristin Cloud
Medicare Agent Licensed in TX
Contact Details
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Location
Trinity, TX
Kristin Can Help With:
About Me
Hi! My name is Kristin, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Kristin Cloud
I have Medicare Part A and B since 06/01/2006 because of disability. My husband retired on 4/1/2024, and I now have no other coverage except for Medicare Parts A and B because I missed open enrollment for insurance coverage. Note: SS dropped SSI and changed it to straight SS. Please help.
Answer: Hi there! Gosh that is a lot of changes. I know how frustrating this can all be. You can get a Medicare plan outside of enrollment if you've had a special enrollment period like losing coverage. Usually, you have 63 days to get new coverage. I'm happy to help I believe my contact info is avail on this site... but, whomever you contact should be able to get you Advantage plan with a special enrollment period. You should do it quickly as after that 63 days you may have to wait if you are disabled you won't make thru underwriting for a Medicare supplement. I hope this helps. I'm happy to try and resolve. Sincerely
Kristin Cloud
My friend lives in a different city and has a much more detailed Medicare plan. Is their plan dependent on their location?
Answer: Hi there. It depends. If your friend has Original Medicare and a Medicare Supplement (Medigap), then she can go anywhere in the U.S. that accepts Medicare. If however, your friend has "detailed plan", it sounds like an Advantage plan. If it an HMO, she must stay in her local organization of doctors. Many of the PPO Advantage plans will now allow you to go to another doctor in a different city, as long as it is still in that insurance carriers network. If she has Aetna PPO, for example, she can often find in network Drs away from home.
With that said, all Advantage plans cover emergency care out of network.
If your friend is traveling and has an emergency, her insurance will usually cover out of network, but if she is moving... she will either want Medigap plan G/ N or change Advantage plans to her new location.
I hope this helps.