Renee Brown, Medicare Insurance Broker
About Me
Hello! My name is Renee, and I would be happy to be your trusted Medicare agent. My specialty is Medicare, and I'm passionate about helping people and I love what I do to make sure that my clients are taken care of to the best of my ability. I help you select the ideal plan that caters to your individual needs and budget. I will also help you sign up for the Medicare Savings plan that helps customers get their Part B reimbursed to them, if they qualify. I work in 36 states and make sure that my customers have the right plan that will include their doctors and medications. I'll efficiently sort through plans from reputable national and local companies and I am licensed with most of the companies in your area so this saves you time and effort. Best of all, my services are provided at no cost to you, and you will have my office phone number as well as my cell number so you will be able to reach me when you need me. Customer Service is very important to me so I strive to be there when my clients need me and do my best to assist them through all situations.
Contact me to discuss your Medicare options and don't forget to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Renee Brown
What’s one Medicare decision that too many people regret later?
Answer: Choosing the right Medicare plan can be very confusing. Going on the internet and doing a lot of research can cause a lot more confusion without answering the questions people may have. To me the biggest mistake a customer can make is by going strictly off of the internet, or their neighbors and friends. Their needs may not be the same as the neighbors, or friends and their doctors and medications will probably be different therefore those peoples plans may not work for them. Customers really need to sit down with a reputable broker that works with all the plans to help them sort through all plans that are offered in their area that work best for their needs, both Medicare Advantage and Supplemental. Medicare Supplemental plans may seem the best and the internet and others may be pointing them to that, but not everyone can afford a Medicare Supplement, therefore they need the best Medicare Advantage for their doctors, their needs and their medications. They also need an agent that they can count on to answer their calls the same day when they have a problem, or question, rather than 2-3 days later.
What is one of the the most common misconceptions people have about Medicare?
Answer: One of the most common misconceptions that I think people have about Medicare is that it is
"FREE". in reality, Medicare Part A can be free, whereas Medicare Part B does have a $185 monthly amount that they have to pay to social security or it is withdrawn from their check before it comes to them. This can be a higher amount if their income falls into a higher income bracket. There is also Premiums for Medicare Supplement Policies and Drug plans or Copays and Out of Pocket costs related to a Medicare Advantage plan. Sometimes there are ways to help the person pay for those costs if they qualify or if there is a Buy Back plan in their area.
Does Medicare cover eye exams, or are seniors left paying too much?
Answer: Original Medicare (Parts A and B) doesn't cover routine eye exams for glasses or contact lenses, it does cover certain eye exams and treatments related to specific conditions like glaucoma, diabetic eye disease, and macular degeneration, as well as cataract surgery. Some Medicare Advantage plans do however give the extra benefit of eye exams and glasses.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: It is important because it limits the amount Medicare Part D beneficiaries pay for covered prescription drugs annually, this helps save them hundreds and possibly thousands on drug costs.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: This is a question I answer frequently from my clients. If you are already drawing social security when you turn 65, then you will automatically be enrolled in Medicare Part A& B by Social Security and you do not have to do anything. Once you get the part A and B, then you will need to either sign up on a Drug Plan for Part D, or sign up with a Medicare Advantage or Medicare Supplement plan to go with it.
Why am I paying more for Medicare Part B and D than my friends? What is IRMAA and how is it calculated?
Answer: The premium for the Part B and D Medicare is based on income. The base amount for everyone is $185.00 but depending on your last 2 years income it may be more. If your friends is $185 and yours is higher, that means that your income was higher than your friends for those years.
IRMAA stands for: Income-Related Monthly Adjustment Amount, is a surcharge added to Medicare Part B and Part D premiums for those with higher incomes, calculated based on your Modified Adjusted Gross Income (MAGI) from two years prior to the current year.
Is it better to get Medicare Part D or Medicare Advantage?
Answer: There really isn't a perfect answer to this question. It is based on what each person's needs and the how they want to be covered. The best choice really is an individual choice and how they look at their insurance needs and money they want to have to spend monthly on their insurance.
More often Part D plans will have a higher Deductible and copay costs over a Medicare Advantage, so looking at each person's medications is a must when deciding on these plans.
Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?
Answer: Plan G would be my first choice because of only having the Part B deductible of $257 to pay when using the plan. Once that is paid, then everything else is paid 100%. My second choice would be Plan N. Plan N is a slightly cheaper way to go, but you will still pay a Dr copay of $20 and ER copay of $50 once the Part B Deductible of $257 is met.