Rachael Hayward, Medicare Insurance Broker
About Me
Helo, my name is Rachael Hayward. As an Independent Insurance Broker specializing in Medicare plans, I leverage my licensing in Life & Health Insurance and partnerships with multiple carriers to help clients navigate the complexities of Medicare. My mission is to provide tailored solutions that meet individual healthcare needs, ensuring clients feel confident and supported in their decisions.
With over seven plus years of expertise in Medicare health insurance and 20 plus in technology and leadership I have a strong foundation in customer retention and online communication, I aim to foster long-term relationships built on trust and transparency. My dedication to simplifying the Medicare process empowers clients to make informed choices, aligning their healthcare plans with their personal priorities. Please reach out with any questions we are here to help you navigate the maze of medicare and be sure to let me know you found me on Agent Hub.
Q&A with Rachael Hayward
If we choose a Medicare Advantage plan and later regret it, can we go back to Original Medicare without penalties?
Answer: You can go back to original medicare during AEP, annual open enrollment between October 15 and December 7. If you go back on original Medicare, you wouldn’t need to purchase a prescription drug plan know as Part D
What is the trap of Medicare Advantage plans?
Answer: There is no trap with Medicare advantage plans. They just have some specific requirements they have networks you must stay within their network if it’s an HMO if it’s a PPO, you have a broader network. Some procedures may include prior authorizations, but Medicare advantage plans also offer some extra benefits, including some ancillary benefits, and often come with a low premium to a zero premium.!
I tried calling Medicare and got transferred five times. Is there any way to get straight answers from them?
Answer: One thing I tell my Clients if they have questions on Medicare is to call me to see if I can navigate and find the answer for them. I would look into finding a local independent broker to help you with all your Medicare questions. If they cant help at least they point you in the best direction to get your question answered.
Does Medicare Part D cover Repatha?
Answer: Repatha is covered under Part D as long as it is on the formulary. Also it may require a pre authorization
