Michele Vina, Medicare Insurance Broker
Michele Vina
Morningstar65
Medicare Broker Licensed in TX, KY, OH and OK
Contact Details
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Location
Fort Worth, TX
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Phone
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Website
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About Me
For years, Michele has been advising folks just like you on how to navigate the mysteries of Medicare. Many past employees of major corporations have gone to Michele for her expertise in transitioning from group and individual health plans to Medicare.
Michele Vina resides Fort Worth, Texas and takes pride in serving the local and surrounding communities in her unparalleled approach to Medicare education and simplification.
Q&A with Michele Vina
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Because Medicare is complicated, I find most people understand better having an in person conversation and seeing their options right in front of them.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: Most often, prescription medications can be a complicated issue for my clients. However, I'm able to help them find the best coverage for the lowest cost. There are plenty of options beyond traditional Part D plans.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: No, if you have been on an Advantage plan for more than one year you will have to pass medical questions to be insured by a Medigap company.
What do you like most about being a Medicare agent?
Answer: I love helping people!! Medicare can be confusing and overwhelming for many people. I love to educate people on their choices and find them the best plan possible!
Isn't it concerning that Medicare Advantage plans are taking over the system?
Answer: Right now, the Medicare population is split about 50/50 between Original Medicare with a supplement and Medicare Advantage. I find that ratio to hold true with my clients as well. There is no right or wrong answer, they are just different ways to receive your Medicare benefits with different pros and cons.
Will my Medicare plan work when traveling to Europe?
Answer: Generally speaking, Medicare coverage is only in the US. However, your Medicare supplement or Advantage plan will provide emergency medical coverage overseas if necessary.
How do I compare Part D plans to minimize costs for a mix of generic and specialty drugs?
Answer: The best way to research Medicare Part D plans is at Medicare.gov. However, brokers like myself often have tips and tricks to save even more when it comes to prescription coverage.
How can I save money on my Medicare Supplement?
Answer: The only way to save money on a Medicare supplement is to switch the company you use. However, if you have had the supplement for more than 6 months, you will have to pass health questions in order to qualify with a different company. The other option is to move to Medicare Advantage without a premium.
My Advantage plan says I need a referral just to see a dermatologist. I thought PPOs didn't require that - was I wrong?
Answer: Although the plan may not require a referral to see a specialist, some doctor's offices may request one.