Robert Gilman, Medicare Insurance Agent
Robert Gilman
Bankers Life
Medicare Agent Licensed in NY
Contact Details
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Location
Syracuse, NY
Robert Can Help With:
About Me
My goal is to offer solutions that meet your needs today and for the life of your retirement. I believe in building a personal relationship with you as my client, so I can better understand your retirement goals and help you get there with confidence and peace of mind.
Medicare Supplement; Medicare Advantage; Long Term Care; Life Insurance; Annuities are tools used to help bridge the gaps in your financial and healthcare plans.
Directions to My Office
Q&A with Robert Gilman
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: In New York State, you can switch from a Medicare Advantage plan to a Medicare Supplement (Medigap) plan at any time without answering health questions. New York mandates that insurers must offer Medigap plans regardless of health status year-round. This means you have more flexibility to switch without facing medical underwriting, unlike in many other states.
For personalized guidance, it's a good idea to consult with a licensed insurance agent or your State Insurance Department.
Does life insurance affect my Medicare eligibility or premiums?
Answer: While life insurance doesn't impact your Medicare eligibility or premiums, it’s wise to consult with a financial advisor or Medicare expert for personalized advice, especially if considering long-term care options or Medicaid.
When should my plan be reviewed?
Answer: Check during Open Enrollment (Oct 15 - Dec 7), Medication changes, Moving, changing doctors. Or if you’re not happy with your plan.
I'm worried about the 'donut hole' in my Part D plan. How do I manage my medication costs once I enter it?
Answer: Therr are many ways to cover the costs. Government assistance programs, prescription discount cards, generic drugs instead of brand name drug. Even different plans. You should review your plan yearly either a professional Medicare agent who can help you with this.