Sean Krause, Medicare Insurance Broker
Sean Krause
SKI Group
Medicare Broker Licensed in TN
Contact Details
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Location
Dunlap, TN
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Facebook
About Me
Helping clients find the Medicare plan that best fits their need and budget. Also specializing in Final Expense; dental, vision and hearing; hospital indemnity; long and short term care & disability. Husband with Kim. Father of 2. Grandfather of 4. Sports fan: Baseball, nascar, college football & basketball. Amateur radio operator.
Q&A with Sean Krause
What do you like most about being a Medicare agent?
Answer: I enjoy helping others. & insuring people do not get penalty’s for signing up for or not signing up at wrong times.
I need a hearing aid but I've heard Medicare doesn't cover them. Is there any way around this?
Answer: You have heard correct. Original Medicare does not cover hearing aids. However, some Medicare advantage plans may have some hearing aid coverage. You may also check with an audiologist as some hearing aid manufactures have programs that may help with the cost.
My pharmacist mentioned the Medicare "donut hole" is going away in 2025. What does that actually mean for me?
Answer: That’s right. Medicare this year now has a maximum prescription out of pocket limit of 2000 dollars. This means when you reach 2000 dollars out of pocket for your medications you’ll have no further cost.
Am I eligible for a Special Enrollment Period if I lose employer coverage?
Answer: You would be eligible for a special election period if you lost employer coverage, changed locations of residence or other changes in your life occurred. You may also be eligible if disasters prevented you from making changes in an eligible enrollment period.
Are all types of blood tests covered by Medicare?
Answer: If a blood test is ordered by your doctor. The blood test would be covered. However, depending on what type of Medicare plan there may be a cost.
My Advantage plan says I need a referral just to see a dermatologist. I thought PPOs didn't require that - was I wrong?
Answer: Some doctors even if in a PPO may require a referral from your PCP before they will see you. This is a function of the doctors office. Not your Medicare advantage plan.
How could a shrinking workforce affect Medicare funding in the next 20 years?
Answer: Since part of Medicare is funded thru the payment that is made in by workers. A shrinking work force may make less funds for Medicare unless congress increases funding in other ways.
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: I’d tell him that one size doesnt fit all. That your needs may be different than his. Thats why there’s both kinds of plans.
So my friend told me I should just go with the cheapest Medicare plan. That sounds too simple - what am I missing?
Answer: The cheapest plan isn’t always the best plan. Your needs & wants in a plan may be different than that of your friends. This is why it is best to work with an agent or broker so the we can find out what your wants & needs are & match you with the best plan.