Monica Gardner, Medicare Insurance Agent
Monica Gardner
Exact Medicare
Medicare Agent Licensed in TN, MA and TX
Contact Details
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Location
Clarksville, TN
About Me
*Monica "MG" Gardner
*New to Medicare but 2yrs in insurance
*Tennessee/Texas/ Massachusetts
*MA/MAPD/Medigap/Part D plans
*Personalized service/Focuses on meetings clients needs
*Life/Annuities/Heath/Accident License
*I'm passionate about helping protect the health and peace of mind of seniors and individuals with disabilities by guiding them through their Medicare options with care, clarity, and compassion.
Q&A with Monica Gardner
How do you educate clients who are completely new to Medicare?
Answer: I just explain to them that Original Medicare Parts A and B cover 80% of their hospital (inpatient) and doctors (outpatient) healthcare. Typically there is no monthly premium for Part A but Part B does not have have a monthly premium, which is 2025 is $185 a month, plus any late enrollment penalties. And the best thing to do about the other 20% is to enroll in a Medicare Advantage plan or a Medicare Supplement.
How can I lower my Medicare Part B premium if my income drops after retirement?
Answer: You could request an IRMAA reconsideration by filing a SSA-44 Form with the Social Security Administration to report your retirement and reduction in income. OR Check to see if you are eligible for a Medicare Savings Program or Medicaid. You can also apply for LIS ( the Extra Help Program).
How can I find new doctors in my network?
Answer: You can either go onto the carrier (insurance company) website and search by selecting the name of your current plan and proceed by searching the name of your doctor, clinic or address. Or you can contact your agent or a nearby broker and they can help you with that.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: Switching from a MAPD to a Medigap plan during AEP usually means you'll face underwriting (health questions) UNLESS you qualify for a specific Special Enrollment Period or Guaranteed Issue right.
How does Medicare cover outpatient mental health intensive programs for seniors with severe conditions?
Answer: First you must have Medicare Part B (you pay $185 monthly premium for Part B). The Mental Health provider must accept Medicare. For most outpatient services like IOP, PHP, therapy and med management you will typically pay 20% of whatever amount is approved by Medicare.
Why, when you turn 78, are you no longer able to get a CT scan?
Answer: Only CT scans for lung cancer have an age requirement. Ages 50-77 who meet smoking history requirements. Diagnostic CT scans do not. Medicare generally covers CT scans for diagnosis purposes for any age beneficiary.
What are the reasons why I should work with a Medicare agent?
Answer: Working with an agent allows you to look into multiple options at one time to compare plans and not only gives you the benefit of guidance from an expert but also allows for personalized help and support. Also cost effective.