Ryan Ross, Medicare Insurance Broker
Ryan Ross
Ryan P Ross Insurance
Medicare Broker Licensed in FL, GA, KS, LA, MI, MO, OH, OK, SC, TN, TX and UT
Contact Details
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Location
St. Cloud, FL
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Ryan 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
Hello! I'm Ryan, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Ryan Ross
What do you like most about being a Medicare agent?
Answer: What I like most about being a Medicare agent is helping people find the right health plan. I enjoy making things simple and making sure they feel safe and cared for.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Medicare Advantage plans may sound "free", but they are not really free. You will still need to pay for co-pays and/or your Medicare Part B. It just means there is no extra cost to join the plan.
I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: Starting in 2025, Medicare Part D will have a $2,000 out-of-pocket cap for prescription drugs. That means no matter how expensive your medications are, like your $6,000 a month biologic medication, you won’t pay more than $2,000 total for the whole year on covered prescriptions.
This change will offer huge relief for people like you with high-cost medications. It helps make treatments more affordable and predictable, so you can focus on feeling better instead of stressing about the cost. Let me know if you’d like help reviewing your current plan or switching to one that works best with these new changes!
I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?
Answer: Not at all, you made a smart choice based on your lifestyle! Medigap is great for travelers because it offers flexibility and fewer restrictions, especially nationwide.
Yes, the premiums are higher, but you get predictable costs, no networks, and peace of mind wherever you go. If your needs or travel plans have changed, it might be worth reviewing your options to see if a more cost-effective plan fits your current situation better. Want to chat about it?
What's a common Medicare myth that even some agents still believe?
Answer: Medicare is totally free...
The truth is, Part A might be "free", you will still have costs with Part B, dug plans and any extra plans like dental, vision, Advantage plans or Medigap. The extra costs can add up. If you would like a review of your plan or if you have questions I would be happy to help.
My doctor wants me to use a smartphone app for medication management and adherence. Are there any Medicare programs that support this type of digital health solution?
Answer: Some Medicare plans do help with health apps!
If you have a Medicare Advantage plan, it might offer extra benefits like apps to help you take your medicine on time. Check with your plan or ask someone like me to help look it up!
I picked a PPO for the flexibility, but now every time I go out of network the bills are outrageous. What's the point of even having a PPO?
Answer: PPOs let you go out of network, but they don’t pay as much when you do. That means you pay more if you don’t use doctors in the plan, so it’s flexible, but not always cheap. If you would like me to look over your plan, let me know. I am here to help.
What's the cheapest way to get Medicare coverage if I only need basic hospital care?
Answer: The cheapest way to get Medicare coverage if you only need basic hospital care is:
Medicare Part A usually costs $0 if you or your spouse worked and paid Medicare taxes for at least 10 years.
It covers hospital stays, skilled nursing, hospice, and some home health care.
It's a great basic option if you're not using regular doctor visits or prescriptions much.
But remember, Part A only covers hospital care, not doctor visits or medicine.
Need help seeing if it’s enough for you? I can help you check in just a few minutes!
My income fluctuates significantly year to year from investment distributions. How can I avoid IRMAA surcharges when I have an unusually high-income year?
Answer: Great question! If your income jumps in a year due to investment distributions, you might face IRMAA (Income-Related Monthly Adjustment Amount) surcharges on your Medicare premiums. But here's how you might be able to avoid or reduce them:
1. File an appeal (Form SSA-44) – If the high income was a one-time event (like a large capital gain or distribution), you can explain it to Social Security and ask them to adjust your premiums based on your current income.
2. Strategic timing – Try to spread distributions over multiple years, or take them in years when your income is lower, if possible.
3. Work with a financial advisor – They can help you plan distributions to stay under IRMAA thresholds and explore tax-efficient strategies.
Want help with the IRMAA appeal process or figuring out how this impacts your Medicare? I’m here to help!
I'm caring for my spouse with dementia and experiencing caregiver burnout. Will Medicare cover any mental health support for me?
Answer: Yes, Medicare can help you get support if you are feeling burned out as a caregiver.
Even though Medicare doesn’t directly cover services just for caregivers, it does cover mental health services like:
Therapy or counseling with a licensed professional
Depression or anxiety screenings
Telehealth sessions (from home!)
Support groups, if led by a Medicare-approved provider
You will need to talk to your doctor or primary care provider and get a referral if needed. You're not alone, help is out there, and Medicare can be part of the solution. Would you like help finding a provider or understanding what’s covered in your plan?
I've heard Medicare covers an annual wellness visit. What exactly is included in this visit?
Answer: One Medicare rule many people feel is outdated and unfair is the three-day inpatient hospital stay requirement for Skilled Nursing Facility (SNF) coverage.
Right now, Medicare won’t cover rehab in a skilled nursing facility unless you've been admitted as an inpatient in a hospital for at least three full days—and time spent under "observation status" doesn’t count, even if you’re in a hospital bed getting the same care.
This rule can confuse seniors, leave them with unexpected bills, and doesn’t reflect how modern healthcare is delivered. Many believe it’s time for this requirement to be updated to protect beneficiaries better.
Let me know if you would like to go over your current plan.
What do you enjoy most about working with Medicare clients?
Answer: What I enjoy most about working with Medicare clients is helping them feel confident and cared for during a confusing time. I love making things simple and seeing the relief when they know they’re in good hands if you would like me to help you let me know.