Michael Wehner, Medicare Insurance Agent
Michael Wehner
HealthMarkets
Medicare Agent Licensed in IN, KY, NC, OH, PA and SC
18+ Years of Experience
Contact Details
-
Location
Indianapolis, IN
-
Phone
-
Website
-
Pre-Appointment Form
-
Facebook
Michael Can Help With:
About Me
Hi! My name is Michael, 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 Michael Wehner
As a senior, what should I know about the differences between Original Medicare and Medicare Advantage before I choose?
Answer: Original Medicare, which consists of Part A (Hospital) and Part B Medical, Outpatient) does not cover everything and does not address prescription drug coverage. Original Medicare covers 80% of outpatient services with no out of pocket limit and limits the number of lifetime days in the hospital. Medicare Advantage is one of the options that people choose to help cover things that Original Medicare does not. Medicare Advantage plans cover everything that is included in Original Medicare and many times covers additional things. You can get Medicare Advantage plans that include prescription drugs. Also, Medicare Advantage plans will have a maximum out of pocket for medical expenses that doesn't exist with Original Medicare. Many Medicare Advantage plans will also include extra benefits like dental, vision and hearing as well as Over the Counter items (vitamins and basic medical supplies).
What's the financial risk of sticking with Original Medicare without a Medigap plan?
Answer: Original Medicare which consists of Part A and B only covers 80% of part B (outpatient services) with no out of pocket limit. It also has a limit on the number of lifetime days you will be covered in the hospital. Additionally, original Medicare does not address prescription drug costs unless you purchase separate drug coverage (Part D). You can choose to purchase a Medicare Advantage plan (Part C) that includes prescription drug coverage or purchase a Medicare Supplement plan along with a separate stand alone drug plan to help cover what Original Medicare does not.
Can Medicare drop me for health reasons?
Answer: Medicare can not drop you for health reasons. Neither can a Medicare plan drop you because you've developed any kind of health issues.