Rachael Metcalf, Medicare Insurance Agent
Rachael Metcalf
Medicare Agent Licensed in TN, FL, GA, IN, KY, MI, NC and OH
Contact Details
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Location
Manchester, TN
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Rachael Can Help With:
About Me
Greetings! I'm Rachael, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Rachael Metcalf
What do you like most about being a Medicare agent?
Answer: Oh Man!!! This answer is so hard to put into 2 sentences! The thing I love the most about being a Medicare agent is my clients. They are the best! I love seeing them every year. Talking to them on their birthdays. Checking in with them quarterly. God has certainly blessed me.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: There are plans that are Zero Premium ($0). So yes, you can get a zero monthly premium plan.
The clever marketing comes into play when I hear the commercial saying, " If you have Medicare you are entitled to received $4300 back...." etc. Always have a local agent who is looking out for you.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: I am guessing you are on a Medicare Supplement? Unfortunately this is one of the downsides to this type of product. Here is my advice if you would have come to me....depending on the carrier you may be able to switch to a cheaper supplement without any issues. Second thing, if you are that healthy then start all over. Put in an application for a new G plan with a different carrier. If healthy then you can qualify. Then you would be starting all over with the prices and the increases.
I just moved from New York to Florida and have Original Medicare with a New York Medigap plan. Do I need to change my coverage?
Answer: No medigap plans cover you anywhere. But, depending on the state you moved to, it may have a cheaper rate and you can still get guarantee issue from moving one state to another.
I've been diagnosed with bipolar disorder at age 66. How should I structure my Medicare coverage to ensure I get the mental health care I need?
Answer: Regardless of what product you choose you will have mental health coverage. The benefits have been on the plans.
Does Medicare pay for telehealth visits with specialists, or is it limited to primary care?
Answer: Medicare does not. But your Medicare Advantage plan will have that benefit included. It is not just limited to primary care. (covers, PCP, spec, rehab and mental health therapy)
My friend got her cataract surgery covered by Medicare, but they didn't cover the lens she wanted. How does that work?
Answer: So depending on what plan you choose, will be the way the lenses are covered. Many plans have a $0 copay or an amount like $30 copay.
I picked a Medicare Advantage plan based on the low premium, but now I'm facing high copays. Did I make a mistake?
Answer: This is such a hard question to answer sometimes as an agent. It usually needs more conversation to say that. Or for me to ask questions to get to the bottom of why that is a good thing or not for you. But getting any form of coverage is not a mistake.....at least you have coverage right now.
My pharmacist mentioned the Medicare "donut hole" is going away in 2025. What does that actually mean for me?
Answer: That means you are going to only be put of pocket $2000 before your drugs are at no cost.
It is a great reduction in Rx.
My plan covered my cataract surgery but not the lenses I actually needed-how do they get away with that?
Answer: Original medicare does not cover that. But advantage plans cover it with a $0 copay.
So not sure what you are on....I am guessing a supplement?
Can Medicare pay for my groceries?
Answer: No medicare does not pay for groceries. Now a medicare advantage plan may have those benefits on them for you. Most plans with groceries are for 2 distinct reasons....1. full medicaid with full medicare. 2. you have a chronic conditions. (ie. diabetes, heart, COPD etc)
To figure out if you qualify, always check with your local agent or call me :)
Why do doctors not like Medicare Advantage plans?
Answer: It isn't that they don't like them per se...it is because they have a higher oversight. Things need to be approved by the carrier. They like to just run the tests for payment on original medicare. They do not want to have a insurance plan tell them no. Now, this could be a good thing and maybe a frustrating thing. But medicare abuse is a real thing.
Can you explain how Medicare works with other types of insurance like Veterans Affairs benefits or employer plans?
Answer: 1. Employer-so if you have group coverage and are planning on working at your job past 65, you do not need to take out your Part B and pay the premium. Medicare will be a secondary to your group.
2. Veterans- medicare advantage plans work well with VA coverage. There are specific plans just for the beneficiaries who use the VA. You can get all or some of your Part B premium from medicare reimbursed. You can have a second opinion with a doctor outside of the VA on advantage plans. Just take note: if you do not get your prescriptions through the VA then the VA medicare advantage plan will not work for you.