Robert Moore, Medicare Insurance Broker
About Me
Navigating through all of the Medicare options can be complex. I am dedicated to empowering my clients with the information they need to make informed decisions about their Medicare coverage. With my experience I will guide you through your Medicare options, helping you find the plan that suits your needs and budget.
Directions to My Office
My Google Reviews
17 Total Reviews (5.0)
March 24, 2025
Robert is very professional, knowledgeable, and experienced in the Medicare Broker process. He comes with our highest recommendation for anyone needing his services. You will not be disappointed.
February 17, 2025
Very professional, prompt and efficient. I was well pleased with the service and product recommended.
February 14, 2025
Rob really cares about his clients. He is continually educating himself on the latest rules and new options regarding health insurance and life insurance. His vast knowledge and contacts in the industry make him a go to for all things health and life insurance related
February 13, 2025
I cannot express enough how incredibly helpful Defender Financial Group has been not only to our residents but to our community as a whole. Robert is incredibly knowledgeable and always able to answer any questions that may pop up. We are so thankful for everything!
January 27, 2025
When United Health took away all but our preventative dental care (they offered a separate policy that made no economic sense) we explored traditional Medicare with a Medigap policy. Rob walked us through the process and helped make it easy. After putting a pencil to it, while our out-of-pocket costs increased, I am convinced, for the long term this move makes a great deal of sense. Rob connected us with Cigna, and while the jury is still out on how well they work, the process, while bumpy, resulted in a Plan G (Indiana) Medigap policy, a Dental/Vision/Eye policy, and a Plan D policy. We appreciate Rob's diligence in bringing all of this together.
January 24, 2025
Robert Moore is a dependable person. He is always willing to help out whenever and wherever possible.
January 23, 2025
January 23, 2025
Robert saved us a considerable amount of money, definitely worth the minimal time it took for him to explain the details. He was the consummate professional and recommend him to anyone.
January 23, 2025
Professional, caring, knowledgeable staff. Willing to go the extra mile & then some to help the client meet their needs. Definitely recommend. Thank you, Rob!
May 2, 2024
April 30, 2024
Rob was a great help in trying to figure out our insurance needs when I retired. He answers all the questions you have and doesn't try to sell you what you don't need. I would recommend Rob to everyone! Give him a call, you'll be impressed!
April 29, 2024
Working with Rob for years! Honest, down to earth, friendly person who you can trust. He is a great listener, and has a great work ethic. He will see everything through on what you are trying to accomplish and will uncover needs you may not have even known were needed. Give this guy a call!
April 29, 2024
Rob is a man of honesty and integrity. He has provided help for me on several occasions and I would certainly recommend anyone with questions or needs to him.
April 29, 2024
Defender Financial Group is a seasoned financial services business specializing in life insurance, Medicare, and cash-flowing retirement strategies.ng health insurance to millions of Americans aged 65 and older, as well as those with certain disabilities. If you or a loved one needs healthcare coverage, explore Medicare options. Rob will help you with all of your needs. He will take the time to make you feel comfortable with what is being presented and will not rush you or pressure you!
Articles by Robert Moore
Q&A with Robert Moore
Answer: Imagine having a reliable stream of income flowing in during your retirement. That's the magic of annuities! You can purchase an annuity with a lump sum or through regular payments, and it can provide a guaranteed income stream throughout your retirement. Some annuities even offer lifetime income, meaning you'll receive regular payments no matter how long you live. This can be a game-changer for supplementing Social Security and other retirement income, allowing you to live comfortably and worry-free.
Answer: Life insurance acts as a financial safety net for your loved ones if you're no longer around. It can help cover essential expenses like mortgage payments, outstanding debts, funeral costs, and even those looming college tuition bills. Think of it as a way to ensure your family's future remains bright, even if you're not there. It’s a crucial part of responsible financial planning and estate planning.
Answer: Medicare Advantage can be a cost savings for many seniors. With drug, vision, and dental care included, many people who are budget conscious can take advantage of this.
Answer: Unfortunately you cannot lower your part B premium. There are ways to reduce the burden of part b. If you fall below a certain monthly income you may qualify for medicaid and they will pay your premiums in some scenarios. Also you can enroll in certain medicare advantage plans that can reimburse you for portions of your part B premium.
Answer: Delaying social security does not affect your Medicare benefit. However, if you retire at age 65 and delay your Medicare there will be penalties if you do not have credible coverage from 65 to 70.
Answer: Medicare Parts A and B will cover certain drugs. There are stipulations of course. The best way to be certain is to call the Centers for Medicare Services or your local Medicare broker.
Answer: The best way to prepare for long-term care is to purchase a long-term care policy outside of medicare.
Answer: This truly reduces the burden on members. And, if you are unable to pay that total you can enroll in the monthly payment program.
Answer: Currently there will not be a donut hole going forward. So what this means for you is after you meet the $2000 max out of pocket you will no longer be paying for your medications.
Answer: As long as the doctors accept that medicare advantage carrier. Like group health insurance, there are several different types of coverage (HMO, PPO, PFFS...). So reviewing the provider network before selecting a carrier will be very important.
Answer: There are times that you can make a change on your plan. Open Enrollment which is from January 1st through March 31st. This gives you the chance to switch to a plan that is equal to the plan you have (medicare adv to medicare adv -Medigap to Medigap) or return to Original medicare. You also can make a change during a Special Enrollment Period. If you have experienced a life changing event (moved to where your current coverage is not, loss of qualifying coverage, enrolled in medicaid) or if your governor declares a state of emergency in your county and state. Unfortunately if you think you made a mistake with the coverage you chose and it is outside of these specific periods, you will have to wait until Annual Enrollment which starts Oct 15th.
Answer: Technology is hard to keep up with. I believe that CMS tries to keep up things that change in that aspect. However, I do believe that some of the policies and procedures are a bit outdated.
Answer: Depending upon the carrier and the Medicare Advantage plan, you can save money. However, I may recommend that you choose a stand alone dental plan for yourself if your current situation calls for it.
Answer: It's possible. Medigap plans may have been a better option for you at the time. Your current situation, type of ailments, and your doctors play a key role in making a sound decision.
Answer: Yes, if you have Original Medicare (Part A and Part B), it generally covers emergency care when you're traveling in U.S. territories like Puerto Rico. This is because U.S. territories are considered part of the U.S. for Medicare coverage purposes.
Answer: Credible coverage is insurance or drug coverage that covers what Medicare would normally cover or more. So for example, your spouse has group health insurance at work. This coverage covers doctors visits, emergency care, and covers basic prescriptions like penicillin, high blood pressure medications, and basic steroids. If the group coverage does not do that, then it is very possible that you do not have credible coverage.
Answer: No. Medicare is only for your health care needs. Many providers of Medicare Advantage plan have a "over the counter" card available that can help you with small purchases of healthy foods. We can discuss this at detail. Call us at 317.586.2324
Answer: Yes it should have. I’m not sure if you did this over the phone or not. You can do something about it. If this specialist is one that you rely on and is instrumental in your health, you can ask your carrier for an exception. Or you can ask your doctor to contract with your carrier. Usually the latter is the easiest way.
Answer: Yes you can. When you lose credible coverage or are 65 and signing up for the first time that is called your initial enrollment period (IEP). This is the time that you do some research in the companies that provide a Medigap plan and the costs of the plan. Finding the right plan is paramount in long term health. Getting with an experienced and trusted Medicare broker will be the key to finding the proper plan for you.