Norma Rector, Medicare Insurance Agent
Norma Rector
Blueprint Insurance Advisors
Medicare Agent Licensed in NC
23+ Years of Experience
Contact Details
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Location
Gastonia, NC
Norma Can Help With:
About Me
Hi, my name is Norma and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Norma Rector
Can eligibility for certain Medicare Advantage plans depend on where I live?
Answer: Medicare Advantage plans are available by state and the actual county of your residence. Plans can vary by county from year-to-year. It is important to always review your summary of benefit notice sent out in early October to see if your plan is changing a portion of benefits or may be terminating benefits in your locality.
I start Medicare in 2026 and a one-time 401(k) withdrawal in 2024 placed me in the second IRMAA tier for part of that year. When should I file Form SSA-44 so my 2027 premium returns to the lowest tier?
Answer: IRMAA premium adjustments occur at the beginning of each calendar on January 1st. The extra premium for any Part D drug plan benefit and Medicare Part B premium resets each January and has a two-year lookback period on your tax return filed previously. It is based upon your tax filing status (single or married) and total modified adjusted household income of the two-year prior filed tax return year.
What are the reasons why I should work with a Medicare agent?
Answer: Typically, Medicare agents and agent/brokers can assist you with making a proper analysis of your unique prescription drug preferences, as well as a cost analysis. Save money and save time by working with a licensed and certified agent.
What is the main benefit of Medicare Part D?
Answer: Medicare Part D Rx drug benefit is a required component of your overall Medicare benefit package for retail drug benefits and prescription mail order benefits. A Medicare beneficiary is required to enroll in a creditable prescription drug program if they do not have access to an employer group plan with creditable drug benefits. You can make a new annual selection for a new plan each fall from October 15 thru December 7th. Important to run a prescription drug analysis to find the right one for you. See an agent for assistance.