Paul Dzierzanowski, Medicare Insurance Agent
Paul Dzierzanowski
Medicare Agent Licensed in FL
28+ Years of Experience
Contact Details
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Location
Cape Coral, FL
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Phone
Paul Can Help With:
About Me
Hello, I'm Paul, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Paul Dzierzanowski
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: You can speak to a real person with expertise, who lives and cares about their neighbors, in our community.
The opportunity to see your agent face to face, with no frustrating 800 number phone trees and recordings.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: I recently received a call from a lady referred to me through an existing client. The lady had original Medicare only and desperately needed some type of supplemental coverage due to the fact that, unfortunately, she was battling cancer. With the recent cancer diagnosis and no guaranteed issue qualification, I showed her the available Medicare Advantage (MA) health plan options in her area for which she qualified. I met with her personally and we carefully examined the various plan details and benefits. She selected a plan that included all of her physicians and covered her current prescriptions. Her first course of treatment under original Medicare was going to cost her close to $14,000 out of pocket. Her expected treatment under the MA plan she chose was a Part B drug, and would make her reach her maximum out of pocket of $4,900 in the second week of a six week treatment plan, but $4,900 is less than $14,000. After her plan took effect, the insurance utilization manager at the oncologist's office submitted the lady's information to the chemotherapy company and they granted her a scholarship for the chemotherapy drugs. Her out of pocket will be $0.
Are there any tax benefits tied to paying Medicare premiums as a retiree?
Answer: Ultimately that is a question for a tax professional. It depends on many factors such as income, tax brackets, and state of residence. I would ask a qualified tax professional.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: Possibly. If you do not enroll in Medicare typically around the 7 months surrounding your 65th birthday you may have to pay a penalty. This depends on factors such as whether or not you have other health insurance coverage that is similar to the coverage Medicare provides. Since you may be assessed a penalty for not having the proper coverage you should consult with a qualified Medicare insurance specialist to weigh all of your options.
How does getting married late in life affect my Medicare coverage or costs?
Answer: Getting married later in life may affect your Medicare coverage and costs in a variety of ways. If you file a joint tax return with your spouse, higher income may affect your Medicare part B and part D premiums. Medicare charges beneficiaries more in part B and part D premiums if they are in higher income brackets. Marriage may also affect your assets which may affect your ability to get some sort of aid such as extra help and or Medicaid. I recommend speaking to a Medicare expert and a financial advisor as to your specific situation.
I have Original Medicare, and I’m wondering if I’d save more on my dental cleanings if I switched to a Medicare Advantage plan instead.
Answer: Seeing as Original Medicare offers no coverage for dental cleanings, the general answer is yes. But exactly how much you would save depends on the details of the individual Medicare Advantage (MA) plan. Some MA plans offer extensive dental benefits no matter which dentist is seen, whereas some MA plans offer specific benefits, for example, cleanings, for in network dentists only. Please call me directly at 239.848.8893 for more information.
How does Medigap Plan K compare to Plan G for someone on a tight budget?
Answer: Medigap Plan K differs from Medigap Plan G in the following ways: Plan K covers only 50% of coinsurance/copayment costs for benefits such as Part B cost share; blood; Part A hospice; skilled nursing; and Part A deductible. Plan K offers no coverage for costs such as Part B deductible; Part B excess charges; and foreign travel emergency. With an out of pocket limit of $7220 in 2025, careful consideration should be taken by an individual on a tight budget to ensure that the premium savings is worth the additional financial exposure. A standard High Deductible plan G or F may be a better alternative. For more information on your specific situation, please call me directly at 239.848.8893.
I went to a free Medicare seminar and it felt like a timeshare pitch. Are any of those events actually helpful?
Answer: Only if you want a free piece of pie. If you want detailed answers on Medicare it's best to talk to a broker that represents a number of different companies. If you have any questions please call me at 239-848-8893.