Luke Rhoads, Medicare Insurance Broker
Luke Rhoads
HealthMarkets
Medicare Broker Licensed in OK
Contact Details
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Location
Catoosa, OK
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Phone
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Website
About Me
My job is to make your life easier, and make medicare simple.
It doesn't cost you anything to use my services, and my goal is to develop lifelong relationships with my clients built on trust.
Just google Luke Rhoads Catoosa to reviews of what my clients have to say about working with me.
Q&A with Luke Rhoads
What do you like most about being a Medicare agent?
Answer: Helping make medicare simple, and protecting my clients from the financial risk of high medical expenses.
What's one hidden Medicare expense that people don't think about until it's too late?
Answer: One hidden Medicare expense that catches many people off guard is the cost of long-term care such as nursing home or extended in-home care.
What's the most misleading Medicare Advantage ad you've seen, and how do you explain the reality to clients?
Answer: I don't think Medicare Advantage plan ads are misleading. I believe that once a benficiary receives the proper education about the gaps in original medicare and the options available to transfer that risk, that they have a easier time making the decision.
My friend said she got a free annual physical with Medicare, but my doctor billed me. What's going on?
Answer: Medicare doesn't have a traditional annual physical, they instead have a welcome to medicare visit and an annual wellness visit. Both would have a zero dollar co-pay. Your friend may have received services above what is covered under the visit.
How can I save money on my Medicare Supplement?
Answer: You can consider comparing the costs of other plans. Also look into a Medicare savings plan to see if it meets your needs.
What do seniors often misunderstand about Medicare's coverage for long-term care?
Answer: Medicare generally does cover skilled nursing and home care while it does not provide coverage for assisted living and extended stays in nursing homes.
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: The first steps are to become educated on your options to determine what course of action is best for you. Do you plan on keeping working? Does your employer provide a health plan? Should you enroll in original medicare part A part B and part D, with medicap or go with a Medicare advantage with prescription drug plan.
What's the financial risk of sticking with Original Medicare without a Medigap plan?
Answer: The part A deductible $1632 for inpatient hospilization, the co-pays for any stay longer than 60 days. Then the most likely and biggest risk is the part B 80%-20%. Meaning you pay 20% of your outpatient services provided with no cap on your exposure.
Will my Medicare plan work when traveling to Europe?
Answer: Original medicare, medicare advantage, and medigap plans generally will not provide coverage outside of the US. There are some exceptions. Certain Emergencies and situations where the closest hospital is in a bordering country. Traveling through Canada from Alaska, and on a cruise ship.