Robert Moore, Medicare Insurance Broker
Robert Moore
Defender Financial Group
Medicare Broker Licensed in IN, AL, IL, KY, MI, MO, NC, OH, PA, SC, TN, VA, WV and WY
Contact Details
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Serving
Michigan
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Phone
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Website
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Schedule An Appointment
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Robert Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
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
What role do annuities play in retirement planning?
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.
How does life insurance contribute to financial planning?
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.
Do Medicare Advantage plans really save seniors money in the long run? Why or why not?
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.
How can I lower my Medicare Part B premium if my income drops after retirement?
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.
I'm planning to delay Social Security until age 70, but I'm turning 65 soon. How does this affect my Medicare enrollment?
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.
I'm getting conflicting information about whether Medicare covers my specific medication. How can I get a definitive answer?
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.
If I need long-term care in the future, how does Medicare fit into that plan, and what should I be doing now to prepare?
Answer: The best way to prepare for long-term care is to purchase a long-term care policy outside of medicare.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
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.
I've been dreading hitting the donut hole each year. How will its elimination in 2025 change what I pay throughout the year?
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.
Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones?
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.