Melanie Blackston, Medicare Insurance Broker
Melanie Blackston
Blackston Insurance Solutions
Medicare Broker Licensed in SC, GA and NC
Contact Details
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Location
Lexington, SC
About Me
Licensed local broker, specializing in Medicare and Final Expense Life Insurance
Q&A with Melanie Blackston
What do you like most about being a Medicare agent?
Answer: As a broker, I have the ability to truly dig into Medicare plans that best fits my clients needs. I have a passion to be an advocate for the Senior Community.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: No, you will just need to delay your Part B and you will need to make sure you have credible medical coverage with prescription benefits as well.
What is Guaranteed Issue for Medicare Supplement plans, and when does it apply?
Answer: It's a set time period when you can apply that guarantees you'll get coverage and you may get a better price on your Medicare supplement plan. You are generally eligible to enroll in Medicare Part B within a 7-month period, starting 3 months before and ending 3 months after the month you turn 65.
Could Medicare ever adopt a tiered premium system based on lifestyle factors?
Answer: It is unlikely Medicare would implement a system based on lifestyle as many factors would have to be considered. In the current form due to potential inequities and practical challenges the current Medicare system largely bases premiums on income.
What's a red flag in a phone call that it might be a Medicare scam targeting my personal info?
Answer: When they ask for your Medicare number or to tell you they need to confirm your Medicare number but ask you to give it to them. When they tell you about big extra benefits you can get with nothing to back it up in regards to your health, medication or doctors.
I need a hearing aid but I've heard Medicare doesn't cover them. Is there any way around this?
Answer: Yes, If you sign up for a Medicare advantage plan most do offer some type of annual hearing benefit in your plan at no cost.
Can I switch from a Medicare Advantage plan to Original Medicare with a Medigap plan mid-year if I’m diagnosed with a serious illness?
Answer: You can, but generally only under special circumstances that qualify you for a Special Enrollment Period-SEP.
Am I eligible for a Special Enrollment Period if I lose employer coverage?
Answer: Yes, Loss of your employer health insurance is considered a qualifying life event that will trigger a Special Enrollment Period, allowing you to enroll in a new health insurance plan outside of the regular Open Enrollment Period.
How does life insurance contribute to financial planning?
Answer: Having life insurance can take a burden away when you pass. It provides a death benefit that can be used to cover financial needs of the beneficiaries. It is mainly used for funeral expenses, but is also used for debt and everyday living expenses.
My doctor mentioned something about Medicare not covering my procedure. How do I find out for sure before I get stuck with a bill?
Answer: You will need to call your insurance companies customer service and check the specific deductible, co-pays and benefits of your plan for your procedure.