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.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: If turning 65 and still working, whether or not you should enroll in Medicare depends in part on what other coverage is available to you. In general, if you have a group plan and the cost of the group plan would be less than your cost on Medicare part B and a supplement or Medicare Advantage plan, then you should probably stay on the group plan. If the group plan is more expensive than being on Medicare part B and a supplement or Medicare Advantage plan, then you would probably opt to take part B and go on Medicare. No matter what your circumstances most people would go on part A because if you've worked and have enough credits it would be premium free. Other issues to consider would be choice of doctors and benefits. For details on your specific situation, don't hesitate to reach me directly at 239-848-8893.
How do you explain to clients that "zero-premium" doesn't mean "zero-cost" with Medicare Advantage?
Answer: Quite simply, premiums and costs are two different things. A premium is something you pay, usually on a monthly basis, in order to have a Medicare Advantage plan. A cost is something you pay once you have established yourself as a member in a Medicare Advantage plan and obtain some type of service. If you need any more help on your specific situation don't hesitate to call me directly at 239-848-8893.
Can Medicare pay for my groceries?
Answer: No Medicare cannot pay for your groceries. There are some Medicare Advantage plans that will give you a grocery card if you are eligible for certain plans. To see if you are eligible for those plans do not hesitate to contact me directly at 239-848-8893 to explore your options.
My doctor wants me to get several preventive screenings. Will Medicare cover all of these at once?
Answer: Medicare typically covers preventative screenings, but the specific services and frequency may vary. It's best to check with your doctor, the Medicare website, Medicare by phone (1-800-Medicare), or a qualified licensed Medicare insurance agent. To reach me directly about your specific situation you can call me at 239-848-8893.
I just enrolled in Medicare, and I've got my Part A and B, but I'm hearing there are gaps in coverage. What are these gaps exactly?
Answer: There are several gaps in Medicare coverage, including: prescription drug coverage; coinsurance and deductibles; foreign travel; routine dental, vision, and hearing; long-term care; and others. To fill these gaps beneficiaries may consider Medicare supplemental insurance or Medicare Advantage plans and other types of senior insurances. To discuss your specific options feel free to call me directly at 239-848-8893.
I'm planning to delay Social Security until age 70, but I'm turning 65 soon. How does this affect my Medicare enrollment?
Answer: Since you are not receiving Social Security benefits at age 65, you will need to sign up for Medicare Part A and Part B through the Social Security Administration.
It is important to sign up for Medicare Part A as soon as you are eligible, even if you are still covered by an employer-provided group health plan, to avoid gaps in coverage and potential late enrollment penalties. If you are covered by an employer-provided group health plan, you may be able to delay signing up for Medicare Part B until you retire, but you should check with your employer's benefits representative to confirm this and ensure you do not face penalties. If you have questions about your specific situation, you can contact me directly at 239.848.8893.
Don't you think Medicare should ban all those celebrity Medicare Advantage commercials?
Answer: In my opinion, yes. They are misleading and cause a lot of confusion with Medicare beneficiaries. I usually have to address misinformation caused by those commercials on a daily basis