Randy Hill, Medicare Insurance Broker
Randy Hill
The Hill Insurance Group
Medicare Broker Licensed in OH, AL, AZ, FL, MI, NC, SC, TN, VA and WV
Contact Details
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Location
Orient, OH
About Me
Hi, I’m Randy Hill, owner and founder of The Hill Insurance Group. My team and I have been helping seniors navigate Medicare with ease and confidence. Whether you’re new to Medicare or just reviewing your current plan, we’ve got you covered!
==>Why Choose The Hill Insurance Group?
=>Expert Guidance: We simplify Medicare so you can make informed decisions.
=>Tailored Plans: We’ll find the best plan for your needs and budget.
=>No-Cost Service: Our help is 100% FREE.
==>We Can Help With:
+Medicare Advantage Plans – Full health and wellness coverage.
+Medicare Supplements – Fill the gaps and gain peace of mind.
+Prescription Drug Plans – Get the right coverage for your medications.
+Dental, Vision, and Hearing Plans – Complete your benefits package.
Call us at (614) 585-9163 to schedule your FREE Medicare consultation today!
We don’t just provide insurance—we provide Peace of Mind. Let us help you make the best Medicare choices for your health and future.
"We Make Medicare Simple and EASY!"
Q&A with Randy Hill
How can I avoid or reduce IRMAA charges on my Medicare premiums?
Answer: Yeah, IRMAA can be a surprise hit to your Medicare premiums if your income’s above a certain level. But there are a few ways to either avoid it or bring it down.
First, it all comes down to your income from two years ago, so if you can keep your taxable income under those limits, you’re golden. You can use Roth IRAs or Roth 401(k)s because money from those dont count toward your income, so it helps keep you under the radar. And if you’re taking money from traditional retirement accounts, you could think about converting some to Roth early on (before Medicare kicks in) to lower your future tax hits.
Also, if you’ve had a big life change like retirement, loss of a spouse, or a drop in income—you can actually appeal your IRMAA charge. You just fill out a form (SSA-44) and explain your situation.
Keep in mind the sale of a home with capital gains income can affect your IRMAA as well which could throw you into a higher income level.
Bottom line: it’s all about planning ahead. If you’re getting close to retirement or Medicare age, it’s worth sitting down with a tax or financial advisor and figuring out what moves you can make now to avoid that extra premium later.
How do discount cards and resources affect my Medicare Prescription Drug plan?
Answer: You can use them to possibly save money on prescriptions. However they will not go toward your deductible if applicable. Sometimes the savings is well worth using them. Always ask the pharmacist which option will give you the best deal.
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Don’t choose a plan based only on the monthly premium or how much you receive in otc benefits. Look at the total cost of care. Your health care is the priority not benefits you hear about on TV.
A low-premium plan might seem like a great deal, but it could come with high deductibles, copays, limited drug coverage, or a restricted doctor network. You might end up paying much more in the long run.
Things to consider:
Your prescriptions and how they’re covered
Your doctors, are they’re in-network
Estimated annual out-of-pocket costs (not just premiums)
Your travel needs (some Advantage plans don’t travel well)
Talk to a Medicare expert. They can help avoid costly mistakes.