Mackenzie Anderson, Medicare Insurance Agent
Mackenzie Anderson
Premier Medicare Solutions
Medicare Agent Licensed in TX
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Taylor, TX
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About Me
Mackenzie Anderson is an Austin-native and has lived in the Greater Austin Area since graduating with a degree in Communication Studies from Texas State University.
While working for a senior-focused healthcare company, she became aware of the complex inner workings of Medicare. Since then, Mackenzie has been serving those who are currently on Medicare or approaching their 65th birthday understand Medicare and assisting them with making informed choices. Medicare is complex and ever-changing. Mackenzie helps simplify the decisions people need to make in order for Medicare to work for them as well as possible.
Q&A with Mackenzie Anderson
What do you like most about being a Medicare agent?
Answer: I enjoy helping and teaching people. That, in addition to our fiduciary responsibility and duty to the client, is why I do what I do. They say if you do what you love, you never work a day in your life.
What is the Medicare Advantage 3 midnight rule?
Answer: Prior to being admitted to a Skilled Nursing Facility, the individual must have a minimum three-night stay in a hospital. If this requirement isn't met, Medicare Part A will not pay for the Skilled Nursing Facility.
What do you enjoy most about working with Medicare clients?
Answer: What I enjoy most about working with Medicare clients is the opportunity to build genuine, trusting relationships while helping people navigate something that can often feel overwhelming. Many of my clients come in feeling uncertain or even anxious about their coverage options, and I really enjoy being able to explain things clearly and offer solutions that bring them peace of mind. There’s a real satisfaction in knowing that the guidance I provide makes a tangible difference in their day-to-day lives—whether it's helping them save money, access better care, or just feel more confident in their decisions.
I also appreciate the personal connections I form—Medicare clients often have incredible life stories and perspectives, and getting to know them beyond just the paperwork is something I find deeply rewarding.
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: One piece of advice I wish every senior knew before picking a Medicare plan is that the "cheapest" option upfront isn't always the most cost-effective in the long run. I also wish more people understood that what works for their neighbor, spouse, friend, or family member, may not be what is best for the individual. Everyone has an opinion but yours is the only one that matters. Make a decision after educating yourself and listening to an unbiased source, like myself.
Can I change my Supplemental/Medigap plan at any time?
Answer: It depends on the state, but in Texas, you can change your Supplemental/Medigap plan once per year at any time. If you change it outside your six-month Open Enrollment Period or outside of a Guarantee Issue (GI) period, you may have to answer medical underwriting questions that determine your eligibility for coverage.
Are Medicare Supplement plans the same thing as "Medicare Secondary Insurance"?
Answer: Not exactly, but they are related. Medicare Supplement/Medigap plans are a type of Medicare Secondary Insurance, but not the only type. A Medicare Secondary Insurance simply means any coverage that pays after Medicare. It could be a Medicare Supplement/Medigap plan, or it could be an employer plan.
Should there be stricter regulations on Medicare Advantage marketing and sales practices?
Answer: Yes, I do believe so, especially for call centers. The same compliance parameters apply to all of us, but call centers do the most damage. Their aggressive and high-pressure marketing practices give the industry a bad name.
I'm caring for my spouse with dementia and experiencing caregiver burnout. Will Medicare cover any mental health support for me?
Answer: Medicare primarily focuses on the needs of the Medicare beneficiary/recipient. Medicare covers mental health services if the caregiver is covered under Medicare.
It may provide limited coverage for short-term respite care during hospice, however these services are temporary.
Can you explain Special Needs Plans in Medicare?
Answer: A Special Needs Plan is a type of Medicare Advantage plan that provides coverage for a specific subset of people. Just like all Medicare Advantage plans, Special Needs Plans are offered by private insurance companies and are required to provide all that Parts A and B cover and typically include prescription drug coverage. Benefits of these plans are designed around the specific needs of that population.
Who can enroll into Special Needs Plans?
Those who have a specific chronic condition, such as diabetes, heart failure, COPD, or ESRD can enroll in a Chronic Plan.
To enroll in a Dual plan, the individual must qualify for both Medicare and Medicaid (called Medicare Savings Plan when combined with Medicare). There are different eligibility levels of Medicaid and benefits can vary.
Institutional Special Needs Plans are for those that live in a nursing home or need institutional-level care at home.
What does Medicare Part B cover? Is it enough?
Answer: Medicare Part B is your medical coverage and covers specific medically necessary services. However, there are services that are not covered.
What's covered:
1. Doctor visits (including specialists)
2. Outpatient care
3. Lab tests, X-rays, and diagnostic screenings
4. Mental health services
5. Durable Medical Equipment like walkers/wheelchairs
6. Preventative Care (Annual Wellness Visit, certain vaccines, mammograms, etc.)
What isn't covered:
1. Dental (unless it is due to a medical condition)
2. Vision (covers eye exams for those with diabetes, glaucoma, macular degeneration, and covers cataract surgery)
3. Hearing (unless the hearing test is to help diagnose a medical condition)
4. Cosmetic surgery (unless it is due to a medical condition)
5. Out of country care