Robert Schwalm, Medicare Insurance Broker
Robert Schwalm
True Medicare Advisors
Medicare Broker Licensed in MI, AR, AZ, CO, FL, GA, IA, IL, IN, KY, LA, NC, NM, OH, PA, SC, TN, TX, VA, WI and WV
11+ Years of Experience
Contact Details
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Location
Rockford, MI
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Phone
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Website
About Me
I’m Robert Schwalm, a Certified Medicare Insurance Planner (CMIP), dedicated to helping people make confident, informed decisions about their healthcare coverage. Over the years, I’ve guided countless individuals through Medicare’s complexities, simplifying options and identifying plans that truly fit their needs. My focus is always on clarity, education, and empowering people to feel secure in their choices.
Insurance companies pay all necessary fees, so there is no cost to you for my planning services.
Q&A with Robert Schwalm
What's the biggest frustration Medicare agents have when helping clients enroll?
Answer: For sure the biggest frustration is when the prospective client doesn't have all their necessary information. Secon is indecisiveness on the cleint's part.
What happens to my Medigap plan if I move to another state?
Answer: The Medigap plan moves with you and is still in effect, however, you do have the opportunity to acquire a new, possibly lower cost Medigap plan within the first three months of your move without any prior authorization.
Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?
Answer: It isn't unless you also add a Medicare Supplement (secondary policy) to cover what Medicare does not cover. This requires more explanation and comparison and depends on each individual and their health related needs.
I thought I signed up for both Part A and B when I got my Social Security, but now I'm getting bills for Part B. Did I miss something during the enrollment period?
Answer: You enrolled in Parts
A and B, but Part B has a monthly premium that every Medicare recipient has to pay. That amount is billed quarterly and is dependent on your household income from two years back as filed with the IRS. The higher the income, the higher the monthly premium.
What are the reasons why I should work with a Medicare agent?
Answer: It depends on the agent. Generally, an agent represents more than one company so you can get an unbiased number of choices. The main reason is you acquire an advocate for your health insurance and coverage issues that arise, which is very valuable to a client
How do Medicare Savings Programs help with Medicare costs?
Answer: They defer the cost over the span of a year rather than paying high costs when you get the prescription filld