Lisa Stansbury, Medicare Insurance Agent
Lisa Stansbury
LCCS Ventures
Medicare Agent Licensed in LA
Contact Details
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Location
Baton Rouge, LA
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LinkedIn
Lisa Can Help With:
About Me
Medicare choices are too confusing, stressful, and costly for most to make a quality decision about coverage - without some help along the way. I am a licensed Medicare agent and American College of Healthcare Executives member, I have a unique insider perspective. My years as a hospital administrator and Medicare benefits specialist helps me help clients block out the noise and anxiety to make the most best coverage choice for their health future.
Q&A with Lisa Stansbury
What do you like most about being a Medicare agent?
Answer: Helping seniors cut through the confusion and feel good about the Medicare product they choose!
So many people aren't aware of basic protections that have time limits -- such as guaranteed issue for Medicare supplement policies. You can't be turned down! Trial rights are another, you have options you can take advantage of to get a secure policy in your life -- for life. These are protections they worked hard to achieve and I love giving them the information needed to make a great decision.
And it's wonderful to see how a policy can be a trusted asset when things, inevitably, go wrong. The bumps and bruises don't hurt as much when my clients get the care they need from trusted healthcare providers they choose.
I'm on Original Medicare with no supplement, and I'm wondering how much I'd pay if I need an ambulance ride to the hospital tomorrow.
Answer: The easy part of the answer is this:
Ambulance services are covered by Medicare Part B. You will be responsible for 20% of the total charges of the Medicare approved amount after you meet your Part B deductible.
What is still unknowable about the charge (until after the event) is based on the total charges billed by the ambulance provider and how much Medicare has agreed to pay for depending on how the trip is "coded."
There is a Medicare fee schedule and coding system depending where you live (zip code), how far you need to travel, what facility you are going to (hospital? SNF? Dialysis center?) and what your medical condition is during the trip. There are adjustment values that get included such as how much more EMT personnel may need to be reimbursed in your area, are you in an official rural area?
Charges usually range in the thousands of dollars.
I advise my clients to get a medigap plan to cover these costs. If monthly premiums are a consideration, try a high deductible plan. Then you know exactly how much out of pocket you are exposed to each year.