Russel Coley, Medicare Insurance Broker
Russel Coley
Medicare Broker Licensed in NC, GA and SC
Contact Details
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Serving
Morganton, NC
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Phone
Russel Can Help With:
About Me
Medicare Guidance. No Hold Times. No Hassle.
Choosing the right Medicare plan shouldn’t feel like a chore, and it definitely shouldn't involve sitting on an infinite hold loop with a national call center.
I’m based right here in downtown Hickory, and I believe you deserve a completely different kind of experience. I build my practice around true concierge service—designed entirely around your schedule, your comfort, and your needs.
The Concierge Difference:
Direct Access Until 9 PM: When you call me, you get me directly—not an automated menu. If I’m helping another client, just leave a message and I will call you right back. I’m here for you well after standard business hours.
We Meet on Your Terms: Whether you want to grab a coffee at my office, sit down at your kitchen table, or meet anywhere in between, I will come to you.
A Relaxed, Comfortable Approach: No high-pressure sales tactics. We will sit down and look at your options at your pace, making sure you feel completely confident in your choices.
Finding the Perfect Fit for You
Because I am an independent broker, I work for you, not a specific insurance company. I’ll help you compare a wide variety of top plans to find the exact match for your healthcare needs and budget:
Medicare Advantage Plans (Part C)
Medicare Supplements (Medigap)
Prescription Drug Plans (Part D)
Ready to take the stress out of Medicare?
Let’s navigate your choices together in a relaxed, easy conversation.
Call me directly or explore more at my web site. Welcome to Medicare guidance done right.
Directions to My Office
Q&A with Russel Coley
Answer: Medicare Part B fully covers routine annual Mammograms. If you or your Dr request an additional Mammogram, you will typically pay 20% of the negotiated discounted price for the bill
Answer: Good question. Medigap/Medicare Supplement plans have less network restrictions. Medicare Advantage in $0 premium plans is paid for by your Part B contribution already coming out of your Social Security check. These plans protect you with a max out of pocket amount and often include dental, vision, prescription and over the counter benefits and allowances.
Answer: You should apply for the Medicare Savings program to help with your Part B premium and LIS to help with prescription drug costs. Let me help you do that online so you don’t have to wait at a local Medicare establishment.
Answer: That is a personal preference. However, if you qualify for Medicare, looking into it could be well worth your time. Let me help you for a zero consultation fee.
Answer: LTC is not covered by Medicare. Home Health Care and Hospice are included within the plan. We have LTC options available to you.
Answer: Well..original Medicare does not cover dental cleanings. So the answer is normally yes because most Medicare Advantage plans include dental at no additional cost.
Answer: Specialist are covered with a copay. To make sure your Dr will be covered, ask about the best local PPO plan.
Answer: Part A will be awarded to you and Part B is optional for a premium based on your income. If you have VA coverage and the closest facility is a ways away. Having Medicare A&B with a Medicare Advantage plan $0 premium could be beneficial for convenience. Also, many plans include other benefits like dental, vision and over the counter allowances within the plan for no additional cost.
Answer: The money you pay for Part B to the government is rerouted to the private insurance company we select.
Answer: Medicare Part A covers hospitalization or inpatient coverage. Most people who have worked for 10 plus years qualify for a zero premium.
Answer: Working with a good agent can help you make the best choice. It does not cost any more and you will have someone you can reach for support. Sometimes a call to the Insurance Company can be a headache. Let me answer your questions quickly or call the insurance company for you. You might make a friend/advocate to support you.