Sean Cusack, Medicare Insurance Broker
Sean Cusack
NW Senior Insurance Solutions
Medicare Broker Licensed in WA, CA, ID and OR
5+ Years of Experience
Contact Details
-
Location
Vancouver, WA
-
Phone
-
Website
Sean Can Help With:
About Me
Hi, my name is Sean Cusack. I am a licensed Medicare agent in Oregon, Washington, California, and Idaho. I can help you navigate the Medicare enrollment process with ease and understanding. I can assisst you with comparing plans from well-known national and local companies, help you find a Primary Care Physician if needed, and check the cost of your prescriptions. My services are completely free and available to you at any time throughout the year. Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Sean Cusack
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: Hello and good morning,
If you are going to continue working and get health insurance through your employer, all you need to do is sign up for part A. It is important that you check with your employer to make sure your health coverage is considered credible though. It means that your health and prescription coverage is equal or greater coverage than medicare offers. If it is not credible, then you will need to sign up for part B&D to avoid any late enrollment penalties.
Thanks,
When will my provider send my Annual Notice of Change?
Answer: Good morning, The heathcare companies usually send out the notice of change in september. Most people recieve the notice of change towards the end of the both but no later than october 1st.
How can I lower my Medicare Part B premium if my income drops after retirement?
Answer: Hello, great question. When you first sign up for part b, the rate you pay is determined from your last two years of income. When your income goes down after retirement, you can fill out the income related adjustment form. This form can be found on the SSA. Gov website. It will be under the Medicare tab. Choose forms and you will find it.
Thanks,
I've been diagnosed with prediabetes. What preventive services does Medicare cover to help prevent progression to type 2 diabetes?
Answer: Yes, Medicare does offer services to help prevent type 2 diabetes. The Medicare Diabetes Prevention Program (MDPP) Expanded Model provides a structured intervention for individuals with prediabetes. This program includes 16 intensive core sessions and 6 follow-up maintenance sessions, focusing on dietary changes, physical activity, and weight management. Additionally, Medicare covers diabetes screenings and other preventive services for individuals at risk.
Can Medicare Part D deny coverage for a brand-name drug if a generic isn't available?
Answer: Yes, Medicare can deny coverage for a brand-name drug even if no generic equivalent is available. While Medicare drug plans generally cover both generic and brand-name drugs, they may have rules about which drugs are covered and how they are covered, often favoring generics according to CMS. If a plan's formulary (list of covered drugs) doesn't include a specific brand-name drug, even if no generic exists, the plan may deny coverage.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: Hello,
Good question. Unfortunatly, the cost of your health plan is not based on what your health is currently. Its is based on the cost of services amongst a large group of people. Hopefully this helps answer your question.
What do you like most about being a Medicare agent?
Answer: Helping Seniors is the best part about my job. I really enjoy giving back to the elders in my community. This job allows me to help my clients in a variety of ways. Best of all, my services are free.