Randall Taylor, Medicare Insurance Broker
Randall Taylor
Taylor Health & Life, LLC
Medicare Broker Licensed in TX, MI and WI
Contact Details
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Serving
Mesquite, TX
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Phone
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Website
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Facebook
About Me
Hi! My name is Randall, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Randall Taylor
Answer: Remote agents tend to have many more clients than local. Most do a good job. Even so, it's just business for them. Being local, I take a keen interest in the well-being of my clients all the time. My clients can call/text me anytime and they know that I'm going to quickly answer and address their concerns because I truly do care.
Answer: Many companies offer discounts if have wearable health tech like an Apple Watch or Fitbit. If you allow the insurance company receive data from the device, the insurance company will give you a nice discount off your premium.
Answer: The advice from a knowledgable Medicare Specialist is the best way to find out since everyone's situation is different and Medicare is changing all the time. I want my clients to have the most coverage for the least amount out-of-pocket.
Answer: You would pay 100% of the ambulance cost since Medicare does not cover that. But also know that Medicare supplements don't cover ambulance either. You need a separate policy. Some cities and/or municipalities offer reasonable plans.
Answer: Part D plans tend to change every year. You absolutely must review your Part D plan every Annual Election Period (AEP) which is always October 15 - December 7. After that, no changes can be made until the next AEP. Your Medicare Specialist can help you with reviewing your plan for the coming year. All Part D plans are in effect from January 1 - December 31.
Answer: You need a consultation with a qualified Medicare Specialist. There's a lot of information and can be confusing if you try to do this on your own.
Answer: Seminars can be helpful - up to a point. But one of the problems is that because Medicare has many different parts and options, a person is best served with a one-on-one consultation.
Answer: It's possible you might need to change doctors. Not every doctor accepts every plan. This means, if they don't accept the plan then the doctor(s) is/are NOT IN NETWORK. With a PPO, you can go out-of network, but you will pay higher out-of-pocket costs (copays, deductibles). With an HMO, generally, the out-of-network option doesn't even exist. This means, in most cases, you would pay 100% for the medical service/appointment and your plan would pay nothing. And lastly, Medicare Advantage plans change every year. One of the consequences of this is that your current plan may not be accepted by your current doctor(s) for the following calendar year.
Answer: By federal law, you will pay no more than $2,000 for prescriptions drugs in 2025. This provision was included in the 'Inflation Reduction Act' passed by the US Congress. This provision is expected to continue each year.
Answer: Dental coverages vary in Medicare Advantage plans. That's why you need a Medicare Specialist to help you sort through all the plans to find one with Dental coverage you need.
Answer: A discount card can be used even if you have a Prescription Drug Plan or with the drug component that is included with a Medicare Advantage plan. Just remember to tell the pharmacy to ring up separately the drugs you want to use to pay for those drugs with your discount card.