Melanie Baxter Black, Medicare Insurance Agent
Melanie Baxter Black
A Helping Hand Insurance Services
Medicare Agent Licensed in TX
14+ Years of Experience
Contact Details
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Serving
Nacogdoches, TX
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Phone
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Website
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Pre-Appointment Form
About Me
Some things about me
MELANIE BAXTER BLACK
• I have been in the insurance industry for 13+ years.
• I am a proud Native East Texan. My family has been in Texas since 1836 when Texas was its own country!
• I am a retired Licensed Massage Therapist. I retired in 2011 after fifteen (15) years practicing massage therapy where I specialized in helping relieve chronic pain/chronic illness.
• I am a 13+ year colon cancer SURVIVOR and a 6+ year Trigeminal Schwannoma brain tumor SURVIVOR. I have learned through very personal experience how not having adequate or appropriate insurance can negatively impact your health, health treatment and your recovery.
• My calling in life is to help people. I helped people for 15 years with massage therapy as my tool. Now, I help people with insurance as my tool.
• I am also an avid Senior Advocate. I help educate people and help them understand the importance of all types of health and life insurance. I also educate people about programs available to them and assist them in applying for these programs, i.e. Extra Help program, Medicare Savings program, etc.
• I am committed to helping my clients choose the best insurance coverage for their specific situation both health-wise and budget-wise. I believe that no one should have to spend every last penny they have to pay for insurance coverage. Insurance coverage should provide security and help to increase the quality of one’s life, not detract from it.
Q&A with Melanie Baxter Black
What are the reasons why I should work with a Medicare agent?
Answer: Having a Medicare Agent adds another level of protection for you, the Medicare client. Your Medicare Agent should provide you education, guidance and be your Senior advocate for you during your Medicare journey.
What’s the most frustrating misconception you have to clear up with clients about Medicare every year?
Answer: The most frustrating misconception that I have to clear up with clients about Medicare every year is that ALL Medicare Advantage plans are bad. This could not be further from the truth. If you have a Medicare Agent worth his weight in salt, the Agent will educate you about all of your options i.e. Medicare Supplements with a Part D plan -AND- Medicare Advantage plans, and explain to you the advantages and disadvantages of each and how it applies to your specific situation.
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: The best way to "sort through all this" is to find an Independent Insurance Agent that you can trust to guide you. An Independent Insurance Agent is contracted with different carriers and can shop plans for you instead of being beholden to one company like "captive" agents. You will also be able to contact your trusted Agent after the sale for help with questions and issues, shoud they arise.
Does Medicare cover hearing aids, or do I have to pay out of pocket?
Answer: It depends on the plan that you have, but generally speaking, you will have to pay a copay per hearing aid, per ear for a specific time frame which is usually per year or every two years.