Rick Boyd, Medicare Insurance Broker
Rick Boyd
Healthcare Selections
Medicare Broker Licensed in KY, AZ, CA, OH, TN, TX and UT
Contact Details
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Location
La Grange, KY
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Phone
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LinkedIn
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Facebook
Rick Can Help With:
About Me
Hello, I'm Rick, your neighborhood Medicare insurance advisor. My expertise lies in helping clients to navigate Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements. I do not believe there is one plan type that fits all. Allow me to use your information to choose from the plans available from both nationally and locally established companies on your behalf. 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 Rick Boyd
Answer: Enroll into Medicare if 65 or older 3 months before the month you retire making the effective date your retirement month. Email me for more detailed information.
Answer:
Medicare does not cover:
Dental Care
Eye Exams
Hearing Aids
Long-term care
Cosmetic Surgery
Massage Therapy
Concierge Care
Covered Items/Services you receive from an "opt-out" Doctor except in an emergency or urgent case
Answer: Medicare does not pay for assisted living. You will need to look towards long term care insurance, or other types of additional care coverage.
Answer: If you are referring to your initial deductible. If your medication is in your plans formulary, it will count for the deductible.
Answer: Medicare brokers work with multiple carriers and can better advise using your needs what plans could work best for you.
Answer: Often changing carriers while maintaining the same level of coverage can save you money on your premiums.
Answer: If your provider certifies that you need physical therapy, after your part B deductible, Medicare pays 80%, you pay the remaining 20%
Answer: Stay with standard Medicare A, and not enrolling into Medicare part B, and a part D medication plan.
Answer: Unless you qualify for a guaranteed issue enrollment if your state has a supplement birthday rule. You will have to answer health questions.
Answer: By not checking if your medications are on the plans formulary. Or deciding that you do not need a part D plan because you don’t currently take medications.
Answer: Doctors can move in or out of network often depending upon if they change groups or move out of the area. Doctors and facilities moving out of network is one of the many reasons I recommend an Advantage PPO over an HMO if one is available.