Rebecca Loucks, Medicare Insurance Agent
Rebecca Loucks
Loucks Insurance
Medicare Agent Licensed in TX, AK, AL, ID, MD, NY, OH, OR and WA
3+ Years of Experience
Contact Details
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Serving
Penitas, TX
Rebecca Can Help With:
About Me
Hello, I'm Rebecca, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Rebecca Loucks
What do you like most about being a Medicare agent?
Answer: What I like most about being a Medicare agent is the ability to help clients navigate their Medicare choices and to simplify things so that they can confidently choose the plan that fits their health and financial needs.
What's the best way to avoid surprise bills for lab tests under Medicare Advantage?
Answer: In order to avoid surprise bills for lab tests make sure you only go to offices in your plan network.
What is one of the the most common misconceptions people have about Medicare?
Answer: One of the most common misconceptions that I have heard is that it is free healthcare and that is not true.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: Yes unless you have other creditable coverage. From the 2026 Medicare & You book:
Important! You may pay more if you don’t sign up for Medicare when you’re
first eligible. Go to pages 22–23 (Part A and Part B) and page 83 (Part D) for
more on late enrollment penalties.
What's one Medicare decision that too many people regret later?
Answer: Most people regret not signing up for Medicare when they first qualify to avoid penalty fees for the rest of their life.
Isn't Medicare Advantage just private health insurance? What is the difference?
Answer: NO,
Medicare Advantage
(also known as Part C)
• A Medicare-approved plan from
a private company that offers an
alternative to Original Medicare
for your health and drug coverage.
These plans bundle together your
Part A, Part B, and usually Part D.
• You may need to use doctors in
its network and get approval for
certain drugs or services.
• Usually have different out-of-pocket
costs than Original Medicare,
including a limit on out-of-pocket
costs so you don’t need to buy
supplemental coverage like
Medigap.
• Most plans offer extra benefits that
Original Medicare doesn’t cover—
like vision, hearing, dental, and
more.
Part A
Part B
Most plans include:
Part D
Extra benefits
Lower out-of-pocket costs
What's the difference in copays vs deductibles?
Answer: This is straight from the 2026 Medicare and You book:
Copayment
An amount you may be required to pay as your share of the cost for benefits
after you pay any deductibles. A copayment is a fixed amount, like $30.
Deductible
The amount you must pay for health care or prescriptions before Original
Medicare, your Medicare Advantage Plan, your Medicare drug plan, or your
other insurance begins to pay.
Should I sign my parents up for Medicare?
Answer: Usually helping your parents sign up for Medicare when they qualify is a good idea but it also depends on if they cannot do it themselves and if you have Power of Attorney, also depends on if they are still working or not and have creditable coverage. There are several things to consider with timing in order to avoid any penalty charges. You can find detailed answers to this question on Medicare.gov or call 1800-Medicare.