Robert Pennington, Medicare Insurance Broker
Robert Pennington
Robert Pennington & Assoc., Inc
Medicare Broker Licensed in NC, GA, SC and VA
Contact Details
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Serving
Roxboro, NC
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Phone
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Robert Can Help With:
About Me
Hello, I'm Robert, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Call me at 336-675-5230 to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Robert Pennington
What do you enjoy most about working with Medicare clients?
Answer: I am a senior myself and have been a Medicare Broker and Advisor for 25 years. I have personally been through or have worked through most any situation that a senior may be dealing with. I enjoy working out these situations from my personal experiences.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: I have along time elderly client that called me today upset because I was the only one she felt she trust in what she was facing and didn’t want to lose me as her Agent and Advisor. She is having to move from NC to TX so her daughter can give her the care she needs. I told her to worry no more, because I can handle her Medicare coverage needs when she moves to TX and I will still be her Agent. She was one happy lady.
What is the biggest disadvantage of Medicare Advantage?
Answer: I don’t find any disadvantages as long as a PPO Plan is being used. I don’t use HMO Plans unless it’s a Chronic Illness Plan.
What is one of the the most common misconceptions people have about Medicare?
Answer: That it is unaffordable and limited coverage.
What’s an underrated benefit of Original Medicare that many people overlook?
Answer: The fact that don’t have copays when using their Plan.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: I recommend Medicare Advantage because it covers Medicare Part A, B, C, and D plus Dental, Vision and Hearing and a multitude of other Benefits. With Original Medicare, you pay 20% of all cost plus paying for Rx, Dental, Vision, and Hearing out of pocket.
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: Hooking them up with a Medicare Broker and Advisor that can share more than one Plan and properly fit the best Plan to meet their needs.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: I suggest taking Part A and as long as they have creditable medical and Rx coverage, wait until they are ready to quit to apply for Part B
Can I change my Supplemental/Medigap plan at any time?
Answer: Only during OEP, AEP or have an SEP.
What does Medicare Part B cover? Is it enough?
Answer: It covers 80% of day to day medical needs and some Rx. It would not be enough if you were having to pay 20% of a large medical bill.
Does IRMAA go away automatically if my income drops, or do I need to report it to Social Security?
Answer: SSA uses two years of tax returns to determine decrease in income to make a change.
I’m on Medicare Part B, and I’m wondering how my physical therapy visits are covered. Do I have to hit my deductible first?
Answer: If your on Medicare A and B only you would 20%. If your on a Medicare Advantage Plan, it usually has a copay that would be deductible for the MOOP.
How can I get dental and vision coverage with Medicare?
Answer: If your on A and B only, you have to purchase a separate Dental and Vision Plan. If your on an Advantage Plan, Dental, Vision, and Hearing are included.
Do Medicare Advantage plans really save seniors money in the long run? Why or why not?
Answer: Advantage Plans will save money if your on a PPO Plan and pays in and out of network. HMO Plans pay in network, but normally you pay out of network.
I’m retiring next year—do I need to do anything with my Medicare?
Answer: If you’re retiring at age 65, you can apply for Part and B three months prior to your birth month. This allows time to to get this in place so you can research Medicare Plans.
How do Social Security and Medicare work together for people with disabilities?
Answer: Someone who qualifies for disability benefits qualifies for Medicare benefits after 24 months.
How does Medigap Plan K compare to Plan G for someone on a tight budget?
Answer: Medicare G is the most comprehensive and most expensive. Plan K is less expensive but has a higher max out of pocket. Ideal for someone in good health and able to pay out of pocket.
Does Medicare cover eye exams, or are seniors left paying too much?
Answer: Medicare Supplements do not cover eye exams and would require a separate Plan to cover eye exams. A Medicare Advantage Plan covers Dental, Vision, and Hearing.