Michael Murray, Medicare Insurance Agent
Michael Murray
Medicare Agent Licensed in NC, SC and TN
Contact Details
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Location
Raleigh, NC
Michael Can Help With:
About Me
Greetings! I'm Michael, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Michael Murray
Answer: With every Medicare Advantage program their is a maximum out of pocket, those costs need to be met for hospitalization and extenuating circumstance costs that can be brought on by a sudden illness or accident. Although the Medicare Advantage plan in most cases doesn't have a premium their are additional co-pays for specialists, emergency room visits and other services that require additional payments, make sure you go over these thoroughly with your agent or broker before applying for these plans.
Answer: Humana has a Medicare Advantage program that will manage medications through their mail order pharmacy, with your Smartphone you can add the Humana app that can help monitor the medications.
Answer: Helping people is a fine art, asking the proper questions to help someone find the right coverage, and then enrolling them into that coverage is what I like most about being a Medicare agent.
Answer: They are using the Part B premium to support the the Advantage Plans, the Part B premium varies depending on the Medicare beneficiaries earnings in their working quarters to qualify.
Answer: Yes they do, and that can change from year to year so always check your Medicare booklet when it comes out every year.
Answer: Medicare Advantage plans for the most part are paid for with your Part B premium, which comes directly out of your Social Security check. The plans that have a premium have other benefits that need to be assessed by the agent with the person that is needing coverage.
Answer: First find a person, "Agent or Broker" that can guide you to the right coverage. Medicare Advantage has some really great options, make sure that whoever you choose to help in selection understands the health needs that need to offer coverage in those programs. You will have to wait until the AEP period which is 10/15-12/7 or if you have a special election period then you may be able to make a change sooner, call me and we can talk about how it all works.
Answer: All medical decisions should be made by you or the people in your life who matter most, that can be your Power of Attorney, your children and your spouse. Only you know what is best for you and by disclosing that to your Medicare agent they can help guide you to the right coverage!
Answer: There are additional charges depending on what type of Medicare coverage that you select, their are deductibles and co-pays with many programs and then their are those that don't have them but may have a monthly premium for that coverage.
Answer: Medicare agents are appointed by many carriers, and after assessing your needs can help you select the best Medicare plan that will help cover those needs.