Silvana Peacock, Medicare Insurance Broker
Silvana Peacock
Medicare Broker Licensed in FL, MI, NC, NJ, SC and VA
Contact Details
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Location
The Villages, FL
About Me
Hi! My name is Silvana, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Silvana Peacock
What do you like most about being a Medicare agent?
Answer: I love helping seniors navigate Medicare with confidence. I find it incredibly rewarding to educate and empower them, so they feel informed and protected.
Is it better to get Medicare Part D or Medicare Advantage?
Answer: It depends on each person's needs. Medicare Advantage plans often include boult-in part D coverage along with added benefits like dental and vision, but they come with networks and copays. On the other hand, Original Medicare with a separate Part D plan may offer more flexibility in provider choice and is often better for those with frequent specialist visits. I always help clients compare both options based on their prescriptions, providers, and budget
I want to be proactive about my health. What preventive services should I be taking advantage of with Medicare?
Answer: Medicare offers a wide range of preventive services that are often covered at no cost like:
mammograms, diabetes, colorectal cancer screening, flu shots. I always encourage my clients to schedule their yearly check ups.
Why is it helpful to follow up with your parents after discussing Medicare?
Answer: It is important to follow up with your parents because it helps to ensure they fully understand their options and did not feel overwhelmed and rushed
Do I have to apply for Medicare if I am still working past 65?
Answer: It depends. If you are still working past 65 and have creditable employer coverage (20+ employees), you usually can delay Medicare Part B without penalty. However many people still choose to enroll in Part A at 65, since is premium-free for most and can serve as secondary hospital coverage.
My Medicare Advantage plan listed my doctor, but now they say he's out of network. How is that even allowed?
Answer: This can happen because provider network in Medicare Advantage plans can change at any time. Doctors may leave the plan, or the plan may update it's list without noyice. just because a doctor was listed when you enrolled doesn't guarantee they'll stay in-network the entire year. I always recommend confirming network status directly with the provider and the plan itself before making appointments. As an agent, I help my clients avoid these surprises by doing that verification ahead of time.
A Medicare supplement broker told me something about "extra lifetime reserve hospital days". What are those and how do they work?
Answer: Lifetime reserve days are 60 extra hospital days that Original Medicare gives you to use after day 90 of an inpatient hospital stay. They are not renewable it is one time lifetime deal