Sophia Davis, Medicare Insurance Agent
Sophia Davis
Onesta Insurance Services LLC
Medicare Agent Licensed in OH
Contact Details
-
Location
Niles, OH
-
LinkedIn
-
Facebook
Sophia Can Help With:
About Me
Greetings! I'm Sophia, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Sophia Davis
What do you like most about being a Medicare agent?
Answer: Helping people understand their coverage better. Many times patients don't seek help because they don't understand what is covered and what isn't. I encourage my clients to ask me any and every question they have about insurance and how it works. One of my mottos in life has always been "The only stupid question is the one you didn't ask!"
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: I look at it from a pricing stand point. Just like a loyalty program at a supermarket, you get better pricing when you are using what they offer. A PPO might give you more options to choose from, however, it can leave your pocketbook more susceptible if something catastrophic were to happen.
What are some lesser-known benefits or services that my Medicare plan might cover that I could be missing out on?
Answer: Rewards! Many carriers offer a rewards program for doing certain things like a Flu Shot or Wellness Exam. Many clients simply leave this money on the table because they don't know about it.
I keep hearing about Medicare Part D changes for 2025. Will these actually lower what I pay for my prescriptions?
Answer: In many instances, yes! Most commonly used medications will remain primarily stable. Patients who take Tier 3 or higher medications, but not enough medications to reach the Max-Out-Of-Pocket threshold, will likely be most affected.
I'm confused about all these different Medicare costs - premiums, deductibles, copays. How do they all work together?
Answer: Think of it like this... Premium= What you pay monthly in order to have access. Just like you pay monthly to have Netflix or Hulu. Deductible= What you have to pay first. Kind of like when your parents said "If you can save $1,000 towards your first car, we'll help you with the rest (limitations apply)" Copay= A set dollar amount you pay for a certain service. It's like Pay-Per-View. You have the monthly service but some things you just have to pay a little more when you want to use them.
I picked a Medicare Advantage plan based on the low premium, but now I'm facing high copays. Did I make a mistake?
Answer: There are many factors that go into ensuring you are on the correct plan for you. I would really need more information in order to answer this question. Please feel free to reach out to me Monday-Friday 9am-6pm (330) 967-5232.
I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?
Answer: Having a change in your health status is always a great reason to take a closer look at your coverage. It may or may not be necessary, but it's always worth a look.
I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: If your biologic is administered at a facility, this is typically billed under Medicare Part B instead of D, therefore the Inflation Reduction Act changes will have no bearing. What will help is being on a plan with a lower Max-out-of-Pocket cost.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Community knowledge and engagement! Having a local agent gives you access to in-person training they may offer, as well as, increased knowledge of the providers and programs close to home.
I changed my plan during Open Enrollment and now I can't see my regular specialist. Isn't this what the whole review period is supposed to prevent?
Answer: This is definitely part of the review process. At OIS, we always ask our clients to make sure to give us the name of ALL Doctors they are currently seeing and have previously seen. With that said, sometimes sacrificing a doctor is what is needed in order to have the best possible coverage for you for that year. Make sure to look at the bigger picture.