Penny Wegner, Medicare Insurance Agent
Penny Wegner
Wegner Insurance Premier Solutions, LLC
Medicare Agent Licensed in WI, CA, CO, FL, IA, IL, IN, MI, MN, PA and TX
9+ Years of Experience
Contact Details
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Location
Wisconsin Rapids, WI
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About Me
Hi, my name is Penny 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 Penny Wegner
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: What type of plan is right for me (Medicare Supplement or Medicare Advantage Plan)? Are my doctors in the network and are my prescriptions covered? What plan(s) allow me to travel (snowbirds)?
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: Medicare PPO plans allow you flex between healthcare systems and not select a provider at the time of enrollment. You also do not need referrals for most services. HMO on the other hand you need referrals, you to select a primary provider and most stay in network, unless an emergency. Ex. I have a client with Parkinson's Disease, he is best suited for the PPO because there is no Provider in our County that provides specialized care for him only Neurologists that the HMO want him to go to. On a PPO, he can see his Primary in town but have a family member take him to another provider out of network that does specialize in Parkinson's 60 miles away to a doctor of his choosing.
What are the 6 things Medicare doesn't cover?
Answer: There are 6 things that Medicare does not cover: Cosmetic Surgery, Hearing Aids, Routine Eye Exams, Routine Dental Work, Long-term Care, and all most all prescription drugs.
I live in California but might move to another state next year. How will my Medicare coverage change if I relocate?
Answer: Medicare Part A and B will not change. If you have a Medicare Supplement your plan will follow you to your next state. Watch your premium, that could go up or down but coverage will stay the same. If you have an Advantage Plan you will need to contact an Agent in the State you are moving to, that Plan will change. You will want to make sure your physician's and prescriptions are covered.
Why do doctors not like Medicare Advantage plans?
Answer: Because everything has to go through a pre-authorizion process, the doctors feel like the insurance carriers have to much control over patients health care. Medicare Supplements typically do not need referrals.
I just got a $300 bill for an ambulance ride I thought was covered. Am I the only one who didn't know Medicare doesn't pay for all emergency transport?
Answer: I would have a couple questions for you before answering the question fully. Is this truly a bill or an EOB. I do advise my clients to make sure that their bill has gone through Medicare and their insurance before panicking as well. Advantage Plans do have a co-pay ranging from $250 and up.