Lowell Ryals, Medicare Insurance Broker
Lowell Ryals
ryals Insurance
Medicare Broker Licensed in MO, AR, FL, KS, LA and TX
15+ Years of Experience
Contact Details
-
Location
Springfield, MO
About Me
In 1984 Lowell married his wife Samantha and they soon had two sons, James and Michael. The family moved many times over the years before finally coming to rest in Missouri where they settled in. Lowell eventually found he could no longer work the long hours on concrete floors as had been his love and decided to go into insurance like his father before him. For the last 10 years Lowell has worked to provide his clients with reliable service and reasonable rates. To do so, Lowell is an independent broker, representing multiple companies so that he can offer the best rates for every client's needs, not just make sales for the sake of selling. Lowell’s father, Sid, was an insurance agent for almost 40 years, and Lowell learned early on the importance that an agent can have in the health and well-being of a family.
Lowell continues to offer his services in the industry and invites you to become part of his family.
Directions to My Office
Q&A with Lowell Ryals
Is it true that Medicare pays for dental implants?
Answer: No
Some Advantage plans will help pay for implants and some dental insurance will help pay for implants.
Medicare will only cover medical necessary dental (like you lost your teeth due to cancer)
Can I change my Supplemental/Medigap plan at any time?
Answer: Depends yes if you go through underwriting and don’t have any major health problems.
If you can’t go through underwriting some states let you change on or around your birthdate or anniversary of policy
Call or text for more information 417-2143442
Is Medicare becoming more expensive over time, and will it ever be unsustainable?
Answer: yes every year the deductibles and the part B premium goes up.
as an unsustainable question that is up to the politicians.
My pharmacist mentioned the Medicare "donut hole" is going away in 2025. What does that actually mean for me?
Answer: It
Means that your prices won’t go up through the year
You may have a deductible with your prescriptions
You can also apply for a leveling out program to keep your copays level through the year
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: Depends what county that you move into as all advantage, Medicare plans go by County.
So contact me to check what plan is available in your particular county that you’re moving into.
Is Medicare's coverage for cataract surgery enough, or do seniors still face high out-of-pocket costs?
Answer: just Medicare alone you will pay 20% copay as Medicare only pays 80% of the cost you pay the other 20%.
if you have a medigap plan that will cover all of the costs.
If you have an advantage plan you will only have to pay the copays.
Why do some agents push Medicare Advantage plans over Medigap-should I be skeptical?
Answer: Yes it is a personal decision for you I sell both some agents only sell for one company or one type of plan.
A lot depends on if you can afford a the premium of a supplement and a separate prescription drug plan.
How can I make sure I'm not overpaying for my Medicare plan, and are there any tools or resources you recommend?
Answer: Yes get a good local agent that works for multiple companies and sell all types of Medicare plans.
Do not sign up from a call center as they are looking for sales and not your best interest