Pete Kelly, Medicare Insurance Broker
Pete Kelly
Texas Life & Health
Medicare Broker Licensed in TX, AL, AR, FL, GA, IN, KY, LA, MD, MI, MO, MS, NC, OH, OK, SC, TN, VA and WY
Contact Details
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Location
Frisco, TX
Pete Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello! I am William Peter “Pete” Kelly, a licensed, independent insurance agent specializing in Medicare Supplements, Medicare Advantage, and Prescription Drug Plans. Navigating Medicare can feel overwhelming. My goal is to simplify the process and give you peace of mind so you can find the coverage that fits your unique health and budget needs. Whether you are turning 65, retiring, or just looking to review your current plan, I am here to help you understand your options without the confusing jargon. I pride myself on providing honest, personalized service to our Frisco & McKinney Texas community plus I am licensed in AL, AR, FL, GA, IN, KY, LA, MD, MI, MS, MO, NC, OH, OK, SC, TN, TX, VA, WY. Don't leave your healthcare benefits to chance. Let’s make sure you’re getting every benefit you are entitled to. Contact me for a free, no-obligation consultation!
Q&A with Pete Kelly
I need home health care after my surgery, but Medicare denied coverage. What are my appeal rights?
Answer: You have the right to file an expedited (fast) appeal or a standard appeal if Medicare denies your home health care coverage. Review the notice you received from your provider or the Home Health Agency. It details the exact reason for the denial and the specific steps you must take to appeal.
I've heard Medicare covers home health care, but what exactly does that include?
Answer: Medicare covers part-time, medically necessary skilled nursing, physical therapy, speech-language pathology, and occupational therapy. It also covers medical social services, part-time home health aides, and durable medical equipment (like wheelchairs or walkers). To qualify, you must be homebound and under a doctor's care.
What happens if my dad’s income changes? Can his Medicare plan or costs change too?
Answer: Yes, if your dad's income changes, his Medicare costs (specifically Part B and Part D premiums) can change too. However, his core Medicare plan and benefits will not change.
Do you lose Medicare if you move out of the country?
Answer: Routine or elective medical care abroad is not covered. However, the rules for your coverage and premiums depend on whether you are traveling temporarily or moving abroad permanently.
What's the process for signing up for Medicare if I'm already on disability benefits?
Answer: You do not need to apply, as you will be seamlessly enrolled in Original Medicare (Part A and Part B) starting the 25th month you receive disability checks. The waiting period is waived entirely if you have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, Lou Gehrig's disease).
How much does Breztri cost with Medicare?
Answer: Your exact out-of-pocket cost depends on your specific plan's structure and your current coverage phase
How many physical therapy visits does Medicare cover per year?
Answer: Medicare does not limit the number of outpatient physical therapy visits it covers, provided the services are certified as medically necessary by a doctor. Rather than capping visits, Medicare utilizes monetary spending thresholds that trigger additional documentation or a medical review to ensure ongoing medical necessity.
What are the reasons why I should work with a Medicare agent?
Answer: Independent agents are not tied to a single insurance company. They can objectively compare plans from various carriers to find the best fit for your specific health needs and budget.