Nancy Courser, Medicare Insurance Agent
Nancy Courser
Cornerstone Retirement Partners
Medicare Agent Licensed in MI and FL
Contact Details
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Location
Grand Rapids, MI
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Phone
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Website
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LinkedIn
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Nancy Can Help With:
About Me
19 years' experience helping simplify the Medicare planning process as an independent agent: Medigap, Part D, and Medicare Advantage plans with "A" rated companies. Annual Reviews. Licenses: Michigan, Florida.
Q&A with Nancy Courser
What do you enjoy most about working with Medicare clients?
Answer: I enjoy helping people navigate the crazy world of Medicare. First, helping them understand the basics: Part A, B, C, D and then explaining how to fill in the gaps with supplemental insurance products. Making sure they understand that I'm in it for the long run and available to answer questions year round. It's easy for me to relate because I am now Medicare eligible myself!
What is one of the the most common misconceptions people have about Medicare?
Answer: A huge misconception is having to enroll in Medicare Part A & B when you are first eligible at age 65. Certainly does apply to some individuals but many people think they MUST do something even if they are still working and for an employer with more than 20 employees. Fear of a penalty is huge.
Why do some seniors end up paying lifelong penalties for Medicare Part B or Part D?
Answer: Some seniors end up paying lifelong penalties for not enrolling in either Part B or D during either their Initial Enrollment Period or Special Enrollment Period. It's very important to understand the enrollment periods and when they apply. Miss an enrollment period and potentially a penalty will be assessed by Medicare unless there is a valid reason/explanation.
If Medicare Supplement (Medigap) plans are better for long-term coverage, why don't more people choose them?
Answer: Many people are enticed by the low premiums for the Advantage plan and additional benefits like fitness, dental, vision, over-the-counter, etc. They view their health in today's terms not in future terms when potentially health changes occur. So, it's about the cost and coverage. People also think that they can enroll in a Medigap down the road but find out that guarantee issue rights are not available and cannot medically qualify. They forget that after the initial enrollment, the insurance company requires the applications to go through medical underwriting. Not everyone qualifies and pre-existing do count in the overall evaluation.