Natalie Kelly, Medicare Insurance Agent
Natalie Kelly
Touch of Grey Insurance
Medicare Agent Licensed in MN, AZ, ND, SD, TX and WI
8+ Years of Experience
Contact Details
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Location
Webster, MN
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Phone
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Website
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About Me
Hi, I'm Natalie — a Minnesota-based Medicare advisor and agent with 9 years of experience helping people navigate their Medicare options. I specialize in Medicare, so you can trust that I know this space inside and out.
My job is to do the heavy lifting for you — comparing plans from leading national and local carriers to find the one that truly fits your needs and your budget. No pressure, no confusion, and no cost to you. My services are completely free.
If you're exploring your Medicare options, I'd love to help. Reach out today, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Natalie Kelly
I've got a Medicare Advantage plan, and I'm curious if my upcoming eye surgery is fully covered or if I'll owe extra out of pocket.
Answer: Typically, eye surgery falls under Outpatient Surgery, even if you stay overnight for observation. Most Medicare Advantage plans will have a copay that is your responsibility, it does vary by plan. This copay contributes towards your annual maximum out of pocket amount.
What's the process for signing up for Medicare if I'm already on disability benefits?
Answer: If you are already receiving Social Security disability benefits, you will automatically be enrolled in Medicare Parts A&B. If you are approaching age 65, you should receive your Medicare card by mail, 3 months prior to your 65th birthday month. If you are younger than 65, you will become eligible for Medicare on the 25th month of being on Social Security disability.
I'm on a fixed income and struggling to afford my medications. What's this Extra Help program I've heard about for Medicare Part D?
Answer: Extra Help is a Social Security program that helps low income, low asset individuals with their out-of-pocket prescription drug costs. If you qualify, this program reduces your prescription copays, especially brand name medications. Plus, it will subsidize your prescription drug monthly premium whether you have a standalone drug plan or a Medicare Advantage plan with drug coverage.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: PPO's allow you to use out of network providers for scheduled appointments and procedures and still have coverage. You will likely pay a higher copay/coinsurance for an out of network service. Network does not apply to ER and Urgent Care visits.
HMO's are restricted to a network. You must use in network providers and facilities in order to have coverage. For ER and Urgent Care visits, you do not have to worry about a network. Get the care that you need, you will be covered as if in network for that emergency.
Can I get a Medigap plan with Guaranteed Issue if I'm losing my employer coverage?
Answer: Yes. If you are getting on Medicare for the first time, you have guaranteed issue into a Medigap plan.
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: There is not one plan that fits all. We're all different in our medical needs and financial security.
What are the reasons why I should work with a Medicare agent?
Answer: A local agent can compare different insurance company options for you, listening to your needs. If you enroll with them, they don't go away after enrollment. You have them as a point of contact going forward with any questions or concerns that pop up.
I'm living solely on Social Security of $1,400 monthly and can't afford my Medicare premiums and copays. What assistance programs might help someone in my situation?
Answer: Apply for the Extra Help program through Social Security, on their website. It can help with out of pocket prescription drug costs. It can also help subsidize your monthly premium for a standalone prescription drug plan or Medicare Advantage plan. A question in the Extra Help application, asks if you want Social Security to send your information to your state to see if you qualify for the Medicare Savings Program. If you qualify, the state could help pay for your Medicare Part B monthly premium.