Stella Hattox, Medicare Insurance Broker
Stella Hattox
American Benefits Exchange
Hablo Español
Medicare Broker Licensed in TX, AR, AZ, CA, CO, CT, FL, GA, IA, IL, KY, LA, MD, MI, MO, MS, NJ, NM, NV and TN
15+ Years of Experience
Contact Details
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Location
Rockwall, TX
About Me
National Director of Medicare Sales Stella Hattox is the National Director of Medicare Sales. Stella, being bi-lingual is a great resource to utilize in our Spanish markets. Stella has had an extensive career in the Medicare Sales and Support to agents and clients alike. She has been on assignments within Medicare corporate offices and in the field with marketing teams.
Being a Front Runner and Top Producer several years in a row, Stella is available to educate and assist in steps needed to make agents successful via training with marketing tools and strategies. Her experience and knowledge span over 20 years in the Medicare business. She dedicates her first line of business to her church and her family.
Q&A with Stella Hattox
What's the key difference in how Medicare Advantage and Medigap handle out-of-network providers?
Answer: Advantage if PPO plan - It normally has higher co pays or higher out of pocket.
Medigap works with Medicare, if provider is not Participating with Medicare, patient may be liable for all charges or higher out of pocket. If Medicare does not cover it-Medigap will not cover it.
Are Medicare Supplement plans the same thing as "Medicare Secondary Insurance"?
Answer: YES, they pick up deductibles and co insurance. However, if Medicare does not cover it, the Supplement ( also known as Medigap) will not cover it either.
How might artificial intelligence change how Medicare approves claims in the future?
Answer: I recently attended The Medicarians Seminar. AI was a major discussion. Technology has sped up claims processing and other systems utilization as of today and for future use.
I was already scheduled for total knee replacement when I took out my policy, will my supplemental plan G still pay?
Answer: It depends on if your Plan G was a Guarantee Issue policy or Underwritten. Your agent should be able to answer that question for you.
My doctor mentioned something about Medicare not covering my procedure. How do I find out for sure before I get stuck with a bill?
Answer: With Traditional Medicare Plan, there is no guarantee. You may also be resposible for excess charges. That is the reason why doctors office have patients sign a " Patient Responsibility" form.
I have multiple medications; how can I ensure my Medicare Part D plan covers them all without breaking the bank?
Answer: The best advise I can give is to get with your agent. They can put your medications in the system and advise you which carriers cover your medications the best. I would not enroll in a plan randomly with out a review of medications first.
What's the biggest frustration Medicare agents have when helping clients enroll?
Answer: Making sure they understand all the benefits of thier plan. Sometimes a client focuses on ONE thing - example: I want free food -or money back... and miss out on important things like: is my medication covered on new plan, or does my doctor take it?