Misty Scaggs, Medicare Insurance Broker
Misty Scaggs
The Swan Insurance Agency
Medicare Broker Licensed in MO, FL and IL
17+ Years of Experience
Contact Details
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Location
Cottleville, MO
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Phone
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Website
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Facebook
Misty Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Misty Scaggs is the founder of The S.W.A.N. Insurance Agency helping her clients
Sleep…Well…. At…Night. She has a passion for helping retirees navigate through the
“Medicare Maze” taking the fear out of leaving their Group plan insurance.
She is a leader in Educating Seniors in the St. Charles area and has been teaching Medicare 101 Courses for over 15 years.
The Swan Insurance Agency are Medicare insurance brokers representing multiple insurance companies. This allows our agency to work for the client helping them find the right Medicare insurance plan to fit their individual needs.
She also enjoys seeing clients enjoy their “Golden Years” by Protecting their
Wealth with Financial Products and Tools as well as save on Taxes. When asked what she does
for a living she will tell you, “I give people the license to spend their Money”. She enjoys being a
mom to her three boys and is looking forward to having grandbabies someday. When she is not
at the office, she enjoys traveling the world, especially Argentina and soaking up the sun in her
pool, convertible, or under a palm tree. She is a Beach Bum at Heart.
Directions to My Office
Q&A with Misty Scaggs
I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium instead?
Answer: When you say the word "premium" I am assuming that you currently have a Medicare Supplement that pays secondary to Orginal Medicare. If so can you please tell me what letter plan you have so I can know exactly what you cost would be for the doctor visits. It usually is printed on your ID Card. It could be "N", "G", "K"....etc.
My pharmacist mentioned the Medicare "donut hole" is going away in 2025. What does that actually mean for me?
Answer: This means that once you have paid $2,000 out of pocket, you will no longer be responsible for copays, deductibles & coinsurance for your covered prescriptions for the remainder of the calendar year.
Isn't it concerning that Medicare Advantage plans are taking over the system?
Answer: I don't look at it that way. There are still numerous Medicare Supplements available. The addition of more Medicare Advantage Plans makes it easier for us as Agents to find a plan that works best for our clients. Many are not financially able to afford Medicare Supplements as they also have to purchase a drug plan, dental & vision coverages as well. Medicare Advantage plans also allow those who are healthy to only pay as they use the plan.