Rowena Ndagha, Medicare Insurance Agent
Rowena Ndagha
Medicare Agent Licensed in AL
Contact Details
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Location
Auburn, AL
Rowena Can Help With:
About Me
Greetings! I'm Rowena, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Rowena Ndagha
Aren't those Medicare seminars just sales pitches in disguise?
Answer: Yes most are sales pitches even when advertised as educational. It is legal if they avoid telling attendees to enroll during the presentation.
Do IRA or 401(k) withdrawals increase Medicare costs?
Answer: Yes it may increase Medicare cost.
Medicare use modified adjusted gross income (MAGI) from two years prior to determine if a senior will pay a higher premium. Higher premiums are called IRMAA ( income related monthly adjustment amount) if it goes over a certain threshold seniors may pay more for Medicare part B and part D.
What Medicare-related items commonly get missed or misunderstood when doing taxes?
Answer: - IRMAA surcharges which is income based premium increase
- Medicare part B is still paid by the individual from their social security
I've been on a Part D plan for a while, and I'm wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: - Your part D plan may have changed its formulary
- Drug prices might have changed by manufacturers
- Plan’s deductible or coinsurance may have shifted
- You may have entered a different cost stage
What are some ways to save on prescription drug costs?
Answer: Review your Medicare part D or advantage plan annually to ensure medications are covered
Use generic drugs whenever possible
Apply for extra help ( Low income subsidy)
Work with a Medicare agent to identify plans that best match your prescription needs and budget
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: To enroll in Medicare or delay it depends on their current health coverage.
If they have employer coverage they can delay Medicare part B without penalty while keeping employer insurance.
If employer has fewer than 20 employees then Medicare becomes the primary coverage. Enrolling in both A and B at 65 is recommended.
If they contributed to an HSA enrolling in Medicare may may affect their eligibility
What are the reasons why I should work with a Medicare agent?
Answer: A senior should work with a Medicare agent because an agent helps them understand the available plans based on their needs and makes the enrollment process easier and less confusing