Shawn Brown, Medicare Insurance Broker
Shawn Brown
Shawn E Brown Insurance
Medicare Broker Licensed in FL, AL, CO, GA, MI, NC, SC, TN, TX and VA
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Daytona Beach, FL
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About Me
***Time is Valuable. Serious Inquiries Only***
Hello, I'm Shawn, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Call me at 386-866-1090 to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Directions to My Office
Q&A with Shawn Brown
What do you enjoy most about working with Medicare clients?
Answer: I enjoy working with Medicare clients because I know firsthand how overwhelming the process can be, especially for seniors who may not have easy access to the right guidance. Having been raised by my grandmother, Anne, who had to navigate Medicare on her own after my grandfather passed, I understand the challenges seniors face in making informed decisions about their healthcare.
What I love most is simplifying Medicare for my clients—breaking down complex options into easy-to-understand terms so they can confidently choose what best fits their needs and budget. I take pride in ensuring they don’t encounter unexpected surprises, just as I wish my grandmother had access to clear and reliable guidance when she needed it. Client education and empowerment have always been my top priorities, and there’s nothing more rewarding than seeing the relief and confidence on a client’s face when they realize they’ve made the right choice for their healthcare.
How do you educate clients who are completely new to Medicare?
Answer: I educate clients who are completely new to Medicare by using a simplified process I’ve refined over the past 11 years. My goal is to break down the complexities of Medicare into clear, easy-to-understand explanations, ensuring clients can make informed decisions without feeling overwhelmed. I walk them through the key differences between Original Medicare, Medicare Supplements, and Medicare Advantage in a way that is straightforward and relatable.
In addition to one-on-one consultations, I also host quarterly Medicare education seminars called "What Baby Boomers Need to Know About Medicare." These seminars provide an open, informative space where seniors can learn about their options, ask questions, and gain the confidence they need to navigate their Medicare journey. Whether in a seminar setting or a personal meeting, my priority is always to empower clients with the knowledge they need to choose the best plan for their needs and budget—without unexpected surprises.
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: In most cases, yes, you will have to answer health questions when switching from one Supplemental/Medigap plan to another. However, there are certain situations where you may qualify for guaranteed issue rights, which means you can switch plans without having to answer medical questions or go through underwriting.
Guaranteed issue rights typically apply if you’re losing other coverage, moving out of your plan’s service area, or switching within your Medigap trial period, among other special circumstances. It’s always best to review your specific situation to determine whether you qualify for guaranteed issue or if underwriting will be required.
What's the deal with Medicare covering medical equipment like wheelchairs- do I need a special approval?
Answer: Medicare does cover durable medical equipment (DME), including wheelchairs, but there are specific requirements. Generally, Medicare Part B will cover medically necessary DME if prescribed by a doctor for use in the home.
I'm on a supplemental Plan N, and I'm curious if my recent MRI is covered or if I'll get stuck with a big bill.
Answer: There will be some charges because with a plan N you are subject to a $257 plan b deductible, potential co-pays and potential excess doctor fees. The best thing to do is contact the facility, let them know what plan you have and have their billing/claims person give you an estimate.
Can I change my Supplemental/Medigap plan at any time?
Answer: Yes. However, for approval, you'll likely be subject to medical underwriting questions. If you have a perfect bill of health you can change anytime. If not, you'll likely be declined.
Is paying for a high-end Medicare Supplement plan really worth it, or is it overkill?
Answer: Yes, if having the best possible access to care is important to you. Otherwise, you'll be subject to doctor/hospital networks, copays, coinsurance, high annual max out of pocket cost and likely referrals.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: A better understanding of local plans and physician networks. More importantly, a local broker has more accountability. If they make a mistake or give bad information, you know where to find them.
Why am I paying more for Medicare Part B and D than my friends? What is IRMAA and how is it calculated?
Answer: IRMAA is determined based on your Modified Adjusted Gross Income (MAGI) from your tax return filed two years ago.
For example, your 2025 IRMAA will be based on your 2023 tax return.
MAGI includes:
Adjusted Gross Income (AGI)
Tax-exempt interest income
Untaxed foreign income
Social Security benefits not included in AGI
Other income items that may not be taxed but count toward MAGI.
What's the difference between a Medicare broker and a Medicare agent?
Answer: A broker represents multiple and, in some cases, all carriers, while an agent only represents one carrier. A broker is generally only paid commissions by the carrier they assist the client they've enroll in while an agent traditionally is paid a salary plus commissions.
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: Absolutely, a rural area may have limited Medicare advantage plan options as well as limited in network physician and facility options.
What's the process for signing up for Medicare if I'm already on disability benefits?
Answer: If you are receiving disability benefits from Social Security or the Railroad Retirement Board (RRB), you will typically be automatically enrolled in Medicare Part A and Part B after a 24-month waiting period. Here’s a step-by-step breakdown:
Automatic Enrollment Process:
24-Month Waiting Period:
Medicare eligibility begins after 24 months of receiving Social Security Disability Insurance (SSDI) or RRB disability benefits.
You’ll be automatically enrolled in Medicare on the 25th month of receiving disability benefits.
Medicare Card Arrival:
Your Medicare card will be mailed about 3 months before your Medicare coverage begins.
Coverage typically starts on the first day of the 25th month of receiving disability benefits.
Exceptions to the Waiting Period:
ALS (Amyotrophic Lateral Sclerosis):
If you have ALS, Medicare enrollment begins the same month your disability benefits start.
End-Stage Renal Disease (ESRD):
For ESRD, Medicare eligibility usually begins:
After 3 months of dialysis.
Immediately if you receive a kidney transplant.
Manual Enrollment (If Necessary):
If you’re approaching your 25th month of disability benefits and have not received your Medicare card, you can manually enroll by:
Visiting Social Security Administration
Calling 1-800-772-1213 (TTY: 1-800-325-0778)
Visiting your local Social Security office.
I'm turning 65 soon, when can I enroll in Medicare?
Answer: If you are receiving Social Security benefits, you will automatically be enrolled in Medicare Part A and B. If you are not collecting Social Security benefits. In that case, you will need to contact the Social Security office online at www.ssa.gov or by phone to apply for Medicare Part B after you are officially enrolled in Medicare Part A and B. In that case, you'll want to contact a Medicare Broker to discuss your options between Medicare Advantage and Medicare Supplement Plans. You should select your plan within 3 months of your Medicare Parr B effective date.
I'm caring for my elderly parent with dementia. How can I get legal authority to manage their Medicare?
Answer: 1. Determine Their Capacity
If your parent still has legal capacity (can understand what they're signing), they can give you permission via paperwork. If not, you'll need to go through the courts.
2. Appoint a Medicare Authorized Representative
This allows you to talk to Medicare and make decisions on their behalf.
Form to use: CMS-10106: Authorization to Disclose Personal Health Information
This form gives you permission to access info but does not give full control to manage benefits.
3. Get a Durable Power of Attorney (POA)
This gives you legal authority to manage your parent’s Medicare and other affairs.
Must be durable (remains in effect after mental decline).
Ideally drafted and signed while your parent still has legal capacity.
Take it to a lawyer, or use your state’s legal aid or elder law services.
4. If Capacity Is Lost: Petition for Legal Guardianship
If your parent no longer understands or can’t consent, you’ll need to go through probate court in your state.
This is a formal court process.
You’ll be appointed a guardian or conservator.
Involves a court hearing and possibly an evaluation by a doctor.
5. Register the POA with Medicare or Other Agencies
Once you have POA or guardianship:
Call Medicare at 1-800-MEDICARE (1-800-633-4227).
Submit documentation as requested.
If you're also managing other benefits (like Social Security or Medicaid), contact those agencies separately — each has its own process.