Marsha Webster, Medicare Insurance Broker
Marsha Webster
MW Insurance Solutions
Medicare Broker Licensed in MI, IN, OH and TX
3+ Years of Experience
Contact Details
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Location
Coldwater, MI
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Phone
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Website
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Pre-Appointment Form
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Marsha Can Help With:
About Me
I am Marsha Webster, an independent insurance agent at MW Insurance Solutions, LLC, where I specialize in Medicare navigation and comprehensive insurance solutions. With a strong background in educational administration, I have transitioned my passion for helping others into the insurance industry, focusing on providing personalized support for Medicare clients and seniors. My commitment to client satisfaction drives me to ensure that every individual receives expert guidance tailored to their unique healthcare needs.
In my role, I am dedicated to simplifying the complexities of Medicare and health insurance. I take pride in offering clear communication and ongoing support, helping clients navigate their options with confidence. With a focus on transparency and trust, I build lasting relationships with my clients, ensuring they feel valued and well-informed throughout their Medicare journey. My goal is to empower individuals to make informed decisions about their healthcare coverage while providing peace of mind in their financial planning.
Q&A with Marsha Webster
Can Medicare drop me for health reasons?
Answer: No, Medicare cannot drop you because of your health. If you have Medicare, your coverage continues even if you have health problems or develop a new illness.
Original Medicare (Parts A and B) is a government health insurance program, so once you’re enrolled, you’re guaranteed coverage (assuming you remain eligible, such as by age or disability status).
The following are a few details to know:
Original Medicare (Parts A & B): You cannot be denied or dropped based on your health.
Medicare Advantage (Part C): These are private insurance plans, but they must accept anyone who’s eligible for Medicare and who lives in their service area, regardless of health. The only exception is for people with end-stage renal disease (ESRD) — until recently, plans did not have to accept those patients, but this has now changed, and nearly all plans accept ESRD.
Medicare Supplement (Medigap): When you first become eligible (your 6-month Medigap Open Enrollment Period), you’re guaranteed acceptance regardless of health. Outside that window, insurance companies in most states can ask health questions, but once they accept you, they cannot drop you as long as you pay your premiums.
In summary, while your plan options may vary based on when and how you apply, once you have Medicare coverage, the program cannot drop you for health reasons.
How do you educate clients who are completely new to Medicare?
Answer: I meet with clients in person, via virtual meeting or by telephone (whichever is most convenient for you). During that first conversation, I will go over Medicare basics — Parts A, B, C and D — and cover the important deadlines and dates so you don’t have to worry about missing anything or incurring late penalties.
After we go over the basics, I’ll work with you to identify what’s most important for your situation — things like:
- Which doctors and hospitals you want to keep seeing
- What prescriptions you take and how to keep them affordable
- Your budget and comfort level with monthly premiums vs. out-of-pocket costs
- Whether you travel often or live in more than one state
From there, I’ll help you compare the two main paths:
- Medicare Advantage – lower monthly premiums, but “pay as you go” with copays and a provider network
- Medicare Supplement (Medigap) + Part D – higher monthly premiums, but very low out-of-pocket costs and the freedom to see any doctor or hospital that accepts Medicare throughout the U.S.
My goal is to make the process as simple as possible for you. Instead of having to sort through piles of confusing mail, you’ll get clear explanations, side-by-side comparisons and my help to enroll in the plan that best meets your needs. And after you’re enrolled, I’ll still be here each year to review your plan to make sure it continues to meet your needs.
I'm turning 65 next month and the amount of Medicare mail I'm getting is overwhelming. How do I sort through all this?
Answer: You’re not alone — almost everyone who turns 65 gets buried by all this Medicare mail! The reason you’re getting so much is because there are dozens of private insurance companies offering all kinds of Medicare Advantage, Part D prescription drug plans, and Medicare Supplement (Medigap) plans. They’re all competing for your business.
The good news is you don’t have to sort through all of it. The most important thing is to make sure you:
Enroll in Original Medicare (Parts A & B) through Social Security when you’re first eligible.
Decide if you’d like to add a Medicare Advantage plan (all-in-one coverage) or keep Original Medicare and pair it with a Medicare Supplement and Part D plan.
From there, the right choice depends on your health, budget, prescriptions, and the doctors you want to keep. My job is to cut through the clutter and compare only the plans that meet your needs, so you don’t have to spend hours reading every piece of mail.
I'm turning 65 in three months but still working with employer coverage. Do I need to sign up for Medicare right now or can I wait?
Answer: That’s a great question and the answer depends on how many people work for your employer and the details of how your coverage works.
If you work for an employer with 20 or more employees, you can generally delay Medicare Part B and Part D with no penalty as long as you have health coverage through your employer. You would get a Special Enrollment Period to enroll in Medicare when you retire or lose that coverage and sign up without late penalties.
If your employer has less than 20 employees, then your employer coverage generally becomes secondary to Medicare at 65. In that case, it’s usually necessary to enroll in Medicare when you’re first eligible to avoid gaps in coverage or late penalties.
Regardless, most people still enroll in Part A at 65 as it generally has no premium, though people sometimes delay even Part A if they have a Health Savings Account (HSA) with their employer.
Because the rules are complicated, the best next step is to call your employer’s HR/benefits office to find out how their coverage coordinates with Medicare. After that, I can help you determine whether it makes sense to enroll now or wait.
My friend gets SilverSneakers with her plan and I don't-how are we both paying for Medicare and getting such different stuff?
Answer: That’s a good question, and one I get a lot. While everyone pays the same Part B premium, that’s what you get from Medicare. The additional benefits (SilverSneakers, dental, vision, hearing, or OTC allowance) are provided by a private insurance company as a Medicare Advantage or Medicare Supplement plan.
That’s how your friend’s plan has SilverSneakers and yours does not, because it’s a benefit the company provides as part of their plan. Benefits can vary widely from plan to plan and even by county.
We can review plans in your area that offer SilverSneakers and other benefits you’re looking for, and compare them to your current plan.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: I hear you. It can be very frustrating to pay for insurance that you don’t end up using much. However, with Medicare (and health insurance in general), premiums aren’t determined by how much a person uses their health care coverage. Instead, everyone in a plan contributes to covering the cost, regardless of how much they use the plan. This is so that if you *do* end up needing a lot of health care, you’re not faced with catastrophic out-of-pocket costs.
That being said, there are ways to reduce overall costs for those of you who stay very healthy. For example, some Medicare Advantage plans have $0 monthly premiums. The question then is whether a $0 premium plan has the benefits, coverage, and access to providers that you want. It’s also important to note that, even with a $0 premium, these plans often have copays, deductibles, and/or out-of-pocket maximums.
Medicare Supplement (Medigap) plans are a bit different in that you pay a monthly premium but have very predictable costs and nationwide access to any provider who takes Medicare.
The “right” plan for each person depends a lot on their health, budget, and preferences. I’d be glad to look at your current plan and compare it to the options available in your area to see if there is a better fit for you.