Laura Shipman, Medicare Insurance Agent
About Me
Hey there, my name is Laura, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Laura Shipman
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: The first steps to take is to assess should you enroll in Medicare A and B. Having an experienced agent can help you navigate and assess what steps you need to take. Here are some questions to consider. Are you enrolled in an employer plan currently? Do you plan to continue to work after 65 and to keep your employer plan? Can you stay on your spouses employer plan? Do you have an individual health insurance plan? Answering these questions will help assess whether you need to enroll in Medicare A and B at this time.
How do you educate clients who are completely new to Medicare?
Answer: I talk with the client and gather information regarding their situation. I educate them on Medicare Supplements and Medicare Advantage Plans in their area.
How well does Medicare support seniors who need assisted living, or does it fall short?
Answer: Great question. Medicare will cover your medical expenses that they approve. However, paying for assisted living Medicare does not cover so you would need to look at additional coverage or pay out of pocket.
I'm turning 65 soon, when can I enroll in Medicare?
Answer: You may enroll in Medicare A and B three months prior to your birthday month, the month of your 65th birthday or three months after your birthday month.
I have Original Medicare, a Medigap Plan G, and a Part D plan, but I'm still facing high costs for my specialty medication. What options exist for someone in my situation?
Answer: There are some options available for those folks who are prescribed specialty drugs.
One option is to check with your doctor to find out are there other options available that may be effective but cost less money. Another option is to check whether there is a Spap available in your state that may cover that medication. There are also patient assistant programs with some manufacturers that may help pay some or all of the specialty drug.