Nick Harris, Medicare Insurance Agent
Nick Harris
Medicare Agent Licensed in NC, GA, TN, VA and WV
Contact Details
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Serving
Oak Ridge, NC
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Phone
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Website
About Me
Hey there, my name is Nick, and I am your local Medicare advisor and broker. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your options!
Q&A with Nick Harris
What is the Medicare Advantage 5-Star Special Enrollment Period? Is this different from '"OEP'" and "AEP"?
Answer: OEP happens annually from January 1st through March 31st, and it allows any member of a Medicare Advantage plan to switch to a different Medicare Advantage Plan during that time. AEP is from Oct 15th through December 7th, and it is a time when anyone who has Medicare (not just those who are already on a Medicare Advantage plan) can elect for a plan for the coming year.
The 5 Star Special Enrollment Code allows any Medicare member who has both A and B (on a plan or not) to join a Medicare Advantage plan that has a 5 star rating. This code can be used at any time between December 8th and November 30th.
What do you enjoy most about working with Medicare clients?
Answer: Getting to know them on a personal level, building a lasting relationship, and by the grace of God being able to provide valuable insight that saves people thousands of dollars out of their pocket!
What are the reasons why I should work with a Medicare agent?
Answer: A Medicare agent works for you to give you guidance and confidence that you are on the most cost-effective plan for you and your family. It’s someone who will help you navigate the confusing world of Medicare each year as laws and regulations change.
As a senior, what should I know about the differences between Original Medicare and Medicare Advantage before I choose?
Answer: What you need to know is that with Original Medicare you need not worry about provider networks or the insurance company “authorizing” treatment. Those are the two main things I see that scare folks away from Medicare Advantage Plans (Part C).
With that said, Original Medicare only includes Hospital (Part A) and Medical (Part B) and it covers 80% of the bill, leaving you with 20% and no maximum out of pocket (NO CEILING ON COSTS).
If you want to keep original Medicare you should probably get a Medigap Plan (also known as a Supplement) that covers the remaining 20% that Original Medicare doesn’t.
I have the majority of my clients on Medicare Advantage due to affordability and weighing out the pros and cons for their individual situation and financial position.