Margaret Brown, Medicare Insurance Agent
Margaret Brown
Medicare Agent Licensed in FL, AL, AR, AZ, CO, GA, IA, IN, KS, KY, LA, MI, MO, MS, NC, NV, OH, OK, PA, SC, TN, TX, VA and WI
4+ Years of Experience
Contact Details
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Location
St. Petersburg, FL
Margaret Can Help With:
About Me
I’m a licensed Medicare agent who is passionate about helping people feel confident in their healthcare choices. Medicare can be overwhelming, but my goal is to make the process simple, clear and stress-free. I take the time to understand each person’s unique needs and walk through their options so they can find the right coverage that fits both their health and budget. I’m qualified and committed to making sure you feel supported through every step of your journey and selecting the best fit for your situation. My mission is to help you.
Q&A with Margaret Brown
Answer: There are two kind of Special Needs Plans, dual special needs plans and chronic special needs plans. Dual Special Needs Plans are for individuals with Medicare and Medicaid. Chronic Special Needs Plans are for individuals that have a specific chronic condition and meet the requirements of eligibility for the chronic Special Needs Plan in their service area.
Answer: You can switch your plan during Annual Enrollment Period. This occurs yearly October 15th-December 7th, however the plan you select will have an effective date for January the 1st. You can switch your plan for this year with a valid Special Election Period.
Answer: No, Medicare will not pay for your groceries. However, you could find assistance with paying for groceries through a grocery benefit card offered through certain Medicare Advantage plans.
Answer: Do you only have original Medicare? If so, Medicare pays 80% and you are responsible for the left over 20% of the cost.
Answer:
1. Long term care
2. Dental care
3. Vision care
4. Hearing care
5. Prescription drugs
6. Cosmetic surgery
Answer: Medicare does not pay for dental implants. Medicare covers your hospital Part A and your Medical Part B. Certain Medicare Advantage plans may help pay towards dental implants. You would want to view the Evidence of Coverage document to verify. Also, some stand alone dental plans may help pay as well.
Answer: Medicare Advantage plans are not “free”. There are plans that have $0 premiums and plans that do cost a premium. It depends on the service area and what plans are within that service area.
Answer: You can change your Medicare plan throughout the year with a valid Special Election Period (SEP). The most popular time of year is Annual Election Period or Annual Enrollment Period (AEP). This isn’t October 15th- December 7th every year.
Answer: This really happened. It is called the Inflation Reduction Act. It will be capped at $2,100 in 2026. This was intended to eliminate the donut hole.
Answer: No, they can be informative and present invaluable information. There are different types of seminars. I believe the more information you have will allow you to have a better understanding of what your options are.
Answer: There is no longer a “donut hole” when it comes to Part D. Catastrophic coverage for 2026 will be reached at $2,100. The Inflation Reduction Act was implemented in 2025. Whether it is a Part D plan or a Medicare Advantage plan there is the option to opt in a MPPP (Medicare Prescription Payment Plan) to help manage your cost of prescriptions for the entire year.
Answer: Medicare supplements are great products. Ultimately it depends on affordability and the individual’s needs as far as healthcare is concerned. This upcoming year is going to be a challenge, not only with the increase cost of Medicare supplement premiums but also with the increase cost of Medicare part B premiums and prescription drug premiums. Not everyone has the same financial means.
Answer: An agent brings a personalization to the conversation. A good agent should build rapport and get to know you. Agents can be versed in 1 insurance carrier’s products or multiple Insurance carrier’s products. It is required for agents to conduct annual certifications that allows us to review and study products for the upcoming year.