Ryan Dawson, Medicare Insurance Broker
Ryan Dawson
Medicare Broker Licensed in WA, AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MO, MS, MT, NC, NJ, NM, NV, OH, OK, PA, SC, SD, TN, TX, VA, WI, WV and WY
8+ Years of Experience
Contact Details
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Location
Spokane, WA
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About Me
Licensed Medicare insurance agent with experience helping individuals navigate Medicare with clarity and confidence. Since entering the insurance industry in 2018, I have specialized in Medicare Advantage, Medicare Supplement, and prescription drug plans, with a strong focus on educating clients and helping them make informed decisions based on their doctors, prescriptions, budget, and long-term healthcare needs.
I offer a personalized, no-pressure approach and work with multiple insurance carriers to compare options and explain how Medicare works in plain language. My goal is to ensure each client understands their choices and feels confident in their coverage — not rushed or confused.
Q&A with Ryan Dawson
What are the reasons why I should work with a Medicare agent?
Answer: The reason you should work with a Medicare agent is simple: it saves you time and money.
First, working with an independent insurance broker who is contracted with multiple companies allows me to compare several plan options at once. Instead of you calling each insurance company for quotes, I do that work for you.
Second, Medicare is extremely confusing. I haven’t met a single beneficiary who didn’t benefit from professional guidance when navigating enrollment, plan options, and coverage rules.
Third, and most importantly, working with a Medicare agent doesn’t cost you a thing. In fact, not using an agent can end up being far more expensive. You could pay more for prescriptions, miss important coverage details, or enroll in a plan with subpar benefits that doesn’t truly meet your needs. -Ryan Dawson -Contact me.
Is Medicare Part A enough for hospital coverage?
Answer: Medicare Part A is not enough for full hospital coverage. Part A, also known as hospital insurance, has a deductible, 80/20 coinsurance, and no out-of-pocket maximum. Most Medicare beneficiaries have no idea what a maximum out-of-pocket is.
Insurance is something you pay for hoping you never have to use it, that’s the best-case scenario. But if you’re in an unfortunate situation where you go to the hospital and don’t have an out-of-pocket maximum, you could be on the hook for hundreds of thousands of dollars.
Insurance is not meant to only cover doctor visits. In fact, that’s usually the least expensive medical cost someone will incur. If that were the only concern, you could cash pay and be fine. Insurance is meant to protect you in case something catastrophic happens. That’s why having a maximum out-of-pocket, either through a Medicare Supplement or a Medicare Advantage plan is the way to go.