Sherah Beasley, Medicare Insurance Broker
Sherah Beasley
Local Heritage Benefits
Medicare Broker Licensed in TX
Contact Details
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Serving
Porter, TX
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About Me
Family owned Medicare/health/life insurance agency: a pillar of integrity in the industry. We provide genuine compassion, provide practical solutions, offer intentional support, educate with conviction and inspire others, while always pursing inspiration ourselves!
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Q&A with Sherah Beasley
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Many times a face to face sit down conversation can clear up all the questions quicker and easier than a phone call. We want all our clients to know we will be here for you! Drop in and say Hi, or set up an appointment to review your coverages and benefits!
How will advancements in wearable health tech (like smartwatches) integrate with Medicare?
Answer: Advancements in wearable health technology are poised to significantly enhance patient care and facilitate faster diagnoses. By continuously monitoring vital metrics such as heart rate, blood pressure, glucose levels, oxygen saturation, and sleep patterns, these devices provide valuable data that can be shared with healthcare providers. This allows for more efficient coordination of care and timely follow-up.
Why am I paying more for Medicare Part B and D than my friends? What is IRMAA and how is it calculated?
Answer: If you’re paying more for Medicare Part B (medical insurance) and Part D (prescription drug coverage) than other people you know, it’s likely due to something called IRMAA – the Income-Related Monthly Adjustment Amount.
IRMAA is an additional amount that people with higher incomes must pay on top of their standard Medicare premiums. It affects Medicare Part B and Part D. The Social Security Administration (SSA) determines if you owe IRMAA based on your reported income.
Your friends might have a lower reported MAGI, different filing statuses, or different income sources. Even similar incomes can result in different IRMAA outcomes depending on deductions, tax-exempt interest, or capital gains.
What if I missed my window to sign up?
Answer: It’s okay if you missed your window of time to sign up! You can still do so and the sooner you sign up, the better, for most people. Here’s why…
If you’re eligible for Medicare and don’t have other credible, qualified coverage, you will be charged penalties the longer you wait. So give us a call today so we can help you navigate the RIGHT time to sign up and HOW to do it. Our agency will walk you through the process every step of the way!
Is Medicare becoming more expensive over time, and will it ever be unsustainable?
Answer: Medicare is the 2nd or 3rd largest budget in the United States. It’s a very important part of our sustainability as a country, so I don’t believe it’s going anywhere anytime soon - the efforts, time and money dedicated to it.
With that said, the government is trying to crack down on fraud and waste, as they should, so this should extend the budget and help it go further. Over time, there might be more costs passed off to the Medicare beneficiaries, but the entire purpose of Medicare was to off-set high medical costs for the 65 and older population, so I’m sure there will always be a push to sustain its purpose.
Does Medicare cover health care services on a cruise ship?
Answer: This is a great question! Traditional Medicare and Medicare Supplements should be accepted anywhere in the U.S. that takes Medicare, but if the cruise ship is in international waters, coverage might not be afforded.
Additionally, some other parts of Medicare might extend to the emergency services or travel home from an emergency, like a Medicare Supplement or Medicare Advantage (MA) plan. Just keep in mind, if you do have a MA plan (specifically), it probably has a network you must stay within, so there’s not as much flexibility with your healthcare, when you’re on one of these types of plans.
So if you travel frequently or have questions about an upcoming trip, make sure you call our office so we can help you walk through your specific plans and needs.