Nicolas Johnson, Medicare Insurance Agent
Nicolas Johnson
Senior Secure Insurance Services
Medicare Agent Licensed in WI and IA
21+ Years of Experience
Contact Details
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Location
Onalaska, WI
About Me
Hello! I'm Nicolas, your trusted Medicare agent. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices.
Q&A with Nicolas Johnson
Answer: I enjoy helping people make decision’s that may be complicated. I enjoy helping people save money as well.
Answer: if you wanna get a shingles vaccine. You will need to have a Medicare part D plan. Original Medicare A and B will not cover the vaccine. However, the vaccine should be a preventative service not costing you anything out of pocket through part D.
Answer: You can change your Medicare supplement plan at any time during the year, however, you will most likely need to go through an underwriting If you are not in an open enrollment or guaranteed issue. To switch your Medicare Advantage plan, you will need to do so during the annual election period.
Answer: Medicare will cover nutrition counseling if it qualifies under the MNT program typically for people with diabetes or who have had kidney transplants in the past 36 months
Answer: Medicare Advantage plans, negotiate contracts with providers. These contracts can change even on an annual basis. If the contract is not renewed, the physician can be considered out of network. That’s why it’s important to have a plan like a PPO that would participate without a network doctors.
Answer: yes they can deny coverage for a brand-name drug if a generic is not available. You can, however, have your doctor contact the plan and explain why the drug is needed if it is not covered to get an exception if a generic is not available or covered in the formulary.
Answer: no you cannot, unless the plan allows an exemption. In this situation, you more than likely would have to see a cardiologist within the HMO network without having to pay everything out of pocket.
Answer: IRMAA is calculated on an annual basis. You do not have to report to Social Security as they review it themselves.
Answer: do I have an advisor who is going to keep up on all the changes with Medicare and has experience in the business? Will my advisor look out for my best interest, especially when my premiums change and help me to navigate future changes in healthcare coverage?
Answer: Once you exceed $2000 in out of pocket prescription drug costs, you no longer pay a coinsurance for the remainder of the year
Answer: The most cost-effective way you can structure your Medicare coverage would be to determine personally how much future use you would anticipate. There is no one answer for this question because everybody is different.
Answer: That depends on a bunch of different factors. Determining needs on a case by case basis is the best way to analyze if a Medicare Advantage plan will save money in the long run.
Answer: The only way you can qualify for a Medicare supplement with no health questions is if you’re in a guaranteed issue period Or open enrollment. If you apply during AEP and are not eligible for either of these criteria, you will have to go through full underwriting.