Richard Kozlowski, Medicare Insurance Agent
Richard Kozlowski
Medicare Agent Licensed in GA, AR, AZ, CA, CO, CT, DC, DE, FL, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI and WV
Contact Details
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Serving
Clayton, GA
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About Me
Since 2005, we have helped seniors find and get the best Medicare insurance coverage. We representing 30+ national top-rated insurance carriers. Email us today so we can connect.
Q&A with Richard Kozlowski
I don't understand how my friend pays nothing for their plan and I pay over $200-are these plans just totally random by ZIP code?
Answer: Plans can be by county or state, depending on the type of plan.
We can offer a review of the different plans if interested
Rich Kozlowski
LifeSmart Senior Services
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I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: Without exact information, we cannot determine whether the medication is billed through Part D or Part B.
If we need to cross-reference the formulary on your plan through Part D, we would do so.
Happy to assist if you want to give me a call
Rich Kozlowski
LifeSmart Senior Services
Contact me.
Can I change my Supplemental/Medigap plan at any time?
Answer: Good afternoon,
This is a great question and one I receive often. Yes, you can submit a new application at any time but know there may be underwriting questions.
If you would like me to send you new rates via email, please reach out with your zip code, county, and current age.
Rich Kozlowski
LifeSmart Senior Services
Contact me.
I picked a PPO for the flexibility, but now every time I go out of network the bills are outrageous. What's the point of even having a PPO?
Answer: This is something that should have been reviewed in detail by your agent.
I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium instead?
Answer: Not necessarily. You should review with your agent.
I've been on a Part D plan for a while, and I'm wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: Every plan is different. You should review annually.
Does Medicare Advantage cover acupuncture or alternative therapies in some plans?
Answer: Yes, Some plans.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: It depends on the state you live in.