Melissa Nichols, Medicare Insurance Agent
Melissa Nichols
Bilingual English & Español
Medicare Agent Licensed in MO, AZ, FL, GA, IL, TN and TX
9+ Years of Experience
Contact Details
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Location
O'Fallon, MO
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Phone
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Melissa Can Help With:
About Me
Hi! My name is Melissa, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Melissa Nichols
Answer:
No, not really. The maximum out of pocket is growing every day and often, is more cost than a year of premiums for a med supp. Also, so many other reasons that you would want to consider anmed supp, not an advantage, not just simple costs.
Answer: If you contact a Medicare insurance agent, they should help you with that. Otherwise, you yourself can go to Medicare.gov, put in your zip code, the type of plans you are looking at, and some other demographic information. Then, you input all of your medications, the doses and milligrams. The website will show you the best plan for you based on your medications and costs and living area. It's a very simple program to use.
Answer: I do not know what other agents charge. I do not charge a client to help them get enrolled in Medicare.
Answer: The type of medication and the specific plan that you have, dictates the tiers that medications are placed on. Each carrier have their own formulary that places medications on a specific tier, typically based on cost. Sometimes, certain medications, specifically insulin, may have price controls set in place by Medicare, so that each carrier or plan must abide by those pricing controls.
Answer: The answer is yes, under specific circumstances. It depends on a few factors, such as how long you have been on Medicare, when you started Medicare, what plan you have been on, work insurance or spouses insurance, etc. I am happy to speak to you about your specific situation, if that is allowed. There are other issues that can factor in as well. Again, I am happy to discuss with you and help. Contact me.
Answer: Yes, Medicare covers preventative check ups, free of charge, on a yearly basis. It's a great benefit for Medicare recipients.
Answer: Yes, for certain reasons. Mainly, for not paying your premium in a timely fashion. I would be very interested to hear what the reasons given for the termination. I would be happy to talk to you about this situation. Please feel free to contact me.. Also, you have rights to get the coverage back. I can help with that.
Answer: There is an app, a Medicare app at the app store, that you can look up all sorts of things to make sure the procedure is covered. Also, call 1-800-medicare and they can let you know.
Answer:
Most of the advantage plans do cover dental and vision at this point. The benefits differ based on each company and even what plan within the company. If you have specific higher needs in one thing or another, call a local Medicare professional who can help you find the right plan for you!
Answer: You can go to ssa.gov and apply for medicare and for disability online. Or, call a local Social Security office and make an appointment, they will help you. Or, call an insurance agent professional like me and we can also help!!
Answer: It means that employer health insurance offers as much and as quality coverage as Medicare, and in the same parameters.