ShaLane Hertel, Medicare Insurance Agent
ShaLane Hertel
Medicare Agent Licensed in CA, ID, OR and WA
14+ Years of Experience
Contact Details
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Location
Salem, OR
About Me
Your Medicare planning can be overwhelming. I specialize in understanding how all areas of your retirement planning impacts your Medicare entitlements. I assist in tax strategies within financial planning to plan for true Medicare costs as well as breaking down the options in easy to understand format.
Directions to My Office
Q&A with ShaLane Hertel
What happens if my dad’s income changes? Can his Medicare plan or costs change too?
Answer: Yes it can! It can go up significantly or can be eliminated should he qualify for a Medicare Savings Program.
How do I find a trustworthy Medicare agent in my area?
Answer: I recommend to meet with 2-3 agents who are local to you and see which one is the most comprehensive. Making a medicare decision should involve understanding your lifestyle as a whole and not just a monthly premium or network.
What role do Social Determinants of Health play in Medicare plan quality?
Answer: Social Determinants of Health (SDOH)—non-medical factors like housing, transportation, and nutrition—are key drivers of Medicare plan quality, accounting for up to 80% of health outcomes. Medicare Advantage (MA) plans now address these needs to improve Star Ratings, reduce hospitalizations, and lower costs.
Does Medicare cover MRI scans?
Answer: Yes, your diagnostic procedures are covered under Part B. They also need to be medically necessary for Medicare to cover them.
How do I apply for Medicare if I qualify because of a disability?
Answer: After 24 months on SSDI you will automatically get your Medicare A & B. When you receive your Part B, you have a short window to have guaranteed issuance with supplements.
What are the reasons why I should work with a Medicare agent?
Answer: To understand how your insurance coverage will fit into your lifestyle. There are many areas a professional understands things on a deeper level that will benefit your understanding.
What is the difference between secondary insurance and supplemental insurance for Medicare?
Answer: Supplements coordinate with your Original Medicare benefits where secondary insurance will be applied to left over costs from original medicare. You still typically will have secondary insurance deductibles, copays and coinsurances to pay out of pocket just on a smaller amount that original medicare didnt cover.