Shelly Lessard, Medicare Insurance Agent
Shelly Lessard
Medicare Agent Licensed in OR, AZ, CA, ID, MT, UT and WA
Contact Details
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Serving
Tillamook, OR
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Phone
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Shelly Can Help With:
About Me
Hello
I started My Medicare Journey in 2019 I have had a few Professions but nothing has been as rewarding as being a Medicare agent. I live on a 14 acre farm and I have 2 daughters and 2 Grandsons and have been married for 39 years and my family are the light of my life. I am a avid gardener with horses dogs, chickens and a couple spoiled cats! I love helping people and we all know how confusing Medicare is. I am here to assist and help you through the process. I have a long career in Customer service and this was a very easy fit for me. I am licensed in Oregon, Washington, Montana, Idaho , Arizona California and Utah.
Q&A with Shelly Lessard
I missed my Medigap window by a few months and now no one will cover me without underwriting. Why isn't this rule more well known?
Answer: They have what is a Guaranteed Issue for your 1st initial enrollment period. If you have not added a Medicare Advantage plan and you are also late to choose that. Now, during Annual Enrollment, 10/15 - 12/07, is the time to do it. As far as a Medigap, you will have to answer health questions and go through underwriting.
I have Medicare Part A and B since 06/01/2006 because of disability. My husband retired on 4/1/2024, and I now have no other coverage except for Medicare Parts A and B because I missed open enrollment for insurance coverage. Note: SS dropped SSI and changed it to straight SS. Please help.
Answer: Hi! You can choose a plan during Annual Enrollment Period, but you will be subject to the late enrollment penalty for not having a Part D plan. That penalty is forever; it never goes away. You should reach out to an agent to help you and help walk you through the plans.
I signed up for part A. I'm still on my husband's insurance so I didn't sign up for part B. is there a form I need to fill out stating I'm still on my husbands insurance?
Answer: Hi! You won't need to do anything until your Husband retires and you are going to lose your Group health insurance. Enroll in B, and you will want it to start B the same time that your group coverage is ending and have your secondary in place. Once you get the B in place, I suggest getting a hold of SS to start that process 2-3 months prior to your group ending, and once you obtain the start date for Part B, that is when you sit with an agent and go over your options.