Lyle Affleck, Medicare Insurance Agent
Lyle Affleck
Shield Financial & Insurance Services
Medicare Agent Licensed in UT, CO, FL, GA, IA, ID, MO, NV, OK, SD and TX
20+ Years of Experience
Contact Details
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Location
South Jordan, UT
Lyle Can Help With:
About Me
Lyle began his insurance career shortly after graduating from college in 2005. He started his career as an employee benefits specialist, where he used his passion for education to help his clients understand their insurance options and empower them to make the best decisions surrounding their health insurance options. His growing passion for the industry led him to eventually offer life insurance, major medical (ACA) plans, disability insurance, and Medicare coverage as part of his brokerage.
Q&A with Lyle Affleck
What do you like most about being a Medicare agent?
Answer: The best part about being a Medicare agent is the people I get to work with. I learn a lot from my clients, about their lives, and the wisdom they impart. I feel like I am doing something significant for them, by helping get the proper coverage.
I'm planning to delay Social Security until age 70, but I'm turning 65 soon. How does this affect my Medicare enrollment?
Answer: Your ability to sign up for Medicare is in no way connected to your starting Social Security payments. You sign up for original Medicare benefits through Social Security, and work with a competent Medicare advisor to get you on the plan you need. You can start looking at Medicare plans 3 months prior to the month you turn 65. You have 7 months to select a plan without incurring any penalties.
My Medicare Advantage plan denied coverage for a specialist I need to see. What are my options now?
Answer: The majority of Medicare Advantage Plans will force you to stay within their network. Remember, though, that your part B will (after your initial Part B deductible) will pay for 80% of the visit as long as the doctor accepts Medicare. You can still see the doctor though they may be "out of network" knowing you will have more than the usual amount out of pocket.
How do you educate clients who are completely new to Medicare?
Answer: We offer both in-home education appointments and various educational seminars in the area to educate those who will soon be eligible for Medicare benefits. The best time for people to get educated on the benefits available to them is 6-12 months prior to their becoming eligible for Medicare.