Rachael Hayward, Medicare Insurance Broker
Rachael Hayward
RVH Insurance Navigators
Medicare Broker Licensed in FL, AR, GA, KY, MD, NC, NJ, NY, PA, SC, TX and VA
7+ Years of Experience
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Indian Harbour Beach, FL
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Rachael Can Help With:
About Me
Hi! I'm Rachael Hayward, a licensed Independent Medicare Insurance Broker, and I'm passionate about helping people feel confident about their Medicare choices.
If you're turning 65, retiring, new to Medicare, or just wondering if your current plan is still the best fit, I'm here to help. Medicare can be confusing, but you don't have to navigate it on your own.
I work with multiple insurance carriers, allowing me to compare plans based on your doctors, prescriptions, budget, and healthcare needs—so you can make an informed decision that's right for you.
With over 7+ years of Medicare experience and more than 20 years in customer service and leadership, I believe in treating every client like family. You'll receive honest advice, personalized guidance, and support long after you enroll.
The best part? My services are completely FREE. There's never a fee to work with me, and there's absolutely no obligation. My goal is simply to help you understand your options and make Medicare easy.
📞 Have questions? Let's talk! Whether you need a quick answer or a full Medicare review, I'm just a phone call, text, or email away. Don't wait until you're overwhelmed—reach out today and let me help you find the coverage that's right for you.
If you found me on Agent Hub, be sure to mention it when you contact me. I look forward to helping you navigate Medicare with confidence!
Q&A with Rachael Hayward
Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?
Answer: If you travel frequently,, With Original Medicare, you have the flexibility to see any doctor or visit any hospital in the U.S. that accepts Medicare. Your Part D prescription drug plan can also offer added convenience through access to national pharmacy chains where you can fill your prescriptions. Many plans also offer mail-order options, allowing you to receive 90-day supplies before your trip and easily update your mailing address if needed.
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