Natalee Nimmo, Medicare Insurance Broker
Natalee Nimmo
Affordable Family Insurance, LLC
Medicare Broker Licensed in SC, FL, GA, KY, MO, NC and TX
Contact Details
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Location
North Charleston, SC
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About Me
Hi! My name is Natalee, and I am your dedicated Medicare Educator and Broker/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 Natalee Nimmo
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: I would ask about what the major differences are between Medicare advantage and Medicare supplement. I would ask about what are the differences in prior authorizations, networks, coverage while traveling, max out of pockets amounts, & co-pay amounts. I would also include, if you had to have chemotherapy or radiation treatment for cancer; What would it cost you and is that covered under a Medicare advantage and or Medicare supplement? I would also ask if your agent is a broker and what carriers are they licensed or appointed with and can they run comparisons and comparative quotes for you?
How can I make sure I'm not overpaying for my Medicare plan, and are there any tools or resources you recommend?
Answer: Absolutely, you can always go on medicare.gov and click on the tab that says find a plan. You can put in your provider information, your prescription drugs information and you can look at all the plans plus how much they are.
I don’t necessarily recommend signing up for a plan from there because you actually probably do want an agent to help you. This way if you need help later on with something, you can call your specific agent to help you. If you go through the medicare.gov site, you’re gonna have to have whoever answers the phone help you and it will never be the same person twice.
Does Medicare cover cancer screenings, and how often can I get them?
Answer: Yes, they do and original Medicare typically will do a cancer screening once every 12 months but it also depends on what type of screening you’re trying to get. The Medicare advantage plans will have to get a prior authorization before they will pay for it. Original Medicare doesn’t have prior authorizations so you don’t have to worry about that part; And if you have a Medicare supplement, they will typically take care of the portion that original Medicare doesn’t pay for.
As a senior, what should I know about the differences between Original Medicare and Medicare Advantage before I choose?
Answer: That is gonna depend on where you live if you have Medicare or Medicare & Medicaid, plus it’s also going to depend on the Medicare Advantage carrier and the plan that you’re considering. This is not a quick answer type of question. This is the type of question you wanna ask a broker or agent about and let them pull up The information on whatever plan you’re looking at and give you the differences between the two from there.
On the surface, I can say that networks is a big difference. Medicare advantage has networks Medicare supplement does not. Prior authorizations is a big difference, Medicare advantage has prior authorizations, and Medicare and Medicare supplement does not. Understand that with Medicare advantage plans, the doctors and hospitals can decide in the middle of the year or basically at any time of the year, that they no longer wanna take that plan anymore. With original Medicare and a Medicare supplement that does not happen. Another big difference is going to be co-pays, deductibles and Max out-of-pocket amounts.
Does Medicare Part A cover outpatient surgery, or is that strictly under Part B?
Answer: That would be Medicare Part B. Part A is going to be hospitalization, (if you admitted into the hospital), skilled nursing, also known as rehab, hospice, home healthcare, and your first 3 pints of blood. Everything else is going to be under part B and if it’s a prescription, it would be under part D.
I've been diagnosed with prediabetes. What preventive services does Medicare cover to help prevent progression to type 2 diabetes?
Answer: All types of diabetic screenings/educational trainings are typically falling under the title of “preventive care”. All preventive care is typically free of charge, but there are quantity and some limitations. That’s something you would want to talk to an agent or broker about to get more detailed information on that’s because it’s also impacted by what plan you have and what carrier you have and where you live, along with what type of screening are they wanting to do. All of these things have to be taken into consideration. Mostly speaking, all preventive care is typically zero charge to the client.
Keep in mind if you have a Medicare advantage, you will have to have a prior authorization approved before you can go get that done and with original Medicare and Medicare supplements you have no prior authorizations.
Shouldn't Medicare do more to address health disparities among minority seniors?
Answer: Oh yessss, is actually a big pet peeve of mine. And something that a lot of us agents are making sure that the people in DC know our feelings about this. I do see some changes coming that are positive in this area, but it is going at a snails pace. At this point, it is progress and I’ll take it
How does losing a spouse impact my Medicare plan if I was on their employer coverage?
Answer: Well that’s gonna depend on the employer. You would need to talk to someone in their HR department and see if you’re gonna be able to remain on the employer plan and if not, they will let you know and give you a certain timeframe to switch to a different plan. Once you find out whether or not the employer is going to allow you to remain on it or not, even if they are going to allow you to remain on it, I would still talk to a broker and get all your information together on the employer plan for the agent or broker so they can give you an accurate comparison with real dollars and facts. This way you’ll be able to make a more informed choice and decision for yourself.
Many times the employer plans are good but if you were to get a Medicare & Medicare supplemental plan, those plans usually end up to be better coverage. That doesn’t always happen, but it happens probably majority of the time.