LeAnn Pedersen, Medicare Insurance Broker
LeAnn Pedersen
Medicare Broker Licensed in MN
13+ Years of Experience
Contact Details
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Location
Scandia, MN
LeAnn Can Help With:
About Me
I have been working with Medicare clients for the past 18 years. I am a licensed broker meaning I have many health plan carriers for you to choose from. My passion is helping seniors understand Medicare and make it a point to make sure my clients are placed on the best plan that meets both their needs and budget. The majority of my business are referrals from clients I have helped. I look forward to helping you navigate Medicare step by step.
Q&A with LeAnn Pedersen
Does everyone pay the same for Medicare?
Answer: No it depends on your income however, most people pay rhe same amount. There are income guidelines.
Do Medicare Advantage plans include dental coverage?
Answer: Yes they do. Some plans have more coverage than others. The majority of Advantage plans have basic coverage. I have an Advantage plan and purchased a Delta Dental plan because I need major work done. The dentist can use both coverages.
I’ve talked to a few Medicare agents near me already, and everyone seems to push something different. How do I know you’re genuinely looking out for me and not just trying to make a sale?
Answer: There is a difference between a Medicare Agent and a Medicare Broker. The Agent is not licensed with many health carriers like a Broker is. You will get more carrier options with a Broker. Some believe Advantage plans are the way to go and others ssy the Supplements are the way to go. They ate both good but the bottom line is if you can afford to buy a Supplement a separate prescription drug plan, and separate dental this is the way to go many people can't afford a supplement plans that's why there are Advantage plans out there.
What are disadvantages of HMO?
Answer: An HMO plan has a very limited network of doctors it is much smaller than PPO and EPO network and you cannot go out of network or you will be paying the full cost. It is less expensive than a PPO plan so if you can be sure to stay in your network you will be ok.
An agent asked me to sign a scope of appointment for before we could discuss my Medicare insurance or part D plan. What is an SOA? Is this normal? Are call centers exempt from this practice?
Answer: Yes, all agents selling Medicare plans must first read a mandatory script to the customer and send a scope of appointment form to be signed before we can help a client. Agents also have to wait 48 hours AFTER receiving the scope of appointment form back before we can reach out to the customer to obtain information in order to send them Medicare quotes. This is to protect the customer so that an agent is not going to try to cross sell meaning trying to sell you another product i.e. Life Insurance, Annuities, that they offer besides the Medicare plan or RX plan. Note: This is mandatory to protect the customer
I'm living solely on Social Security of $1,400 monthly and can't afford my Medicare premiums and copays. What assistance programs might help someone in my situation?
Answer: you should qualify for Medicaid if your income is under 1700 a month. Google Medicaid for the state you live in.
What's the biggest frustration Medicare agents have when helping clients enroll?
Answer: When medication lists are sent to us for shopping a Medicarecplan the wrong spelling of the doctor or medication really slows us down.
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: That once they first qualify for Medicare i.e. age: 65 or 24 months social security disability there is a big difference between Supplements vs Advantage plans when looking for plans. If you can afford a supplement get one!
Are some Medicare Advantage providers better than others?
Answer: There are star rating fir Medicare Advantage plans. The star ratings are based on claims, customer service and provider network.
What are the reasons why I should work with a Medicare agent?
Answer: Because we tend to reach out yearly to our clients to ensure they are still on health plan that fits both their needs and their budget. We care that you are in the best possible health plan.