Stephanie Coulter, Medicare Insurance Broker
Stephanie Coulter
The Heidorf Group
Medicare Broker Licensed in IN and KY
Contact Details
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Location
Prospect, KY
About Me
As an independent insurance agent serving the greater Kentuckiana area, my focus is Medicare health plans & my mission is to give you the utmost confidence in your Medicare plan decisions. I work with the top-rated insurance companies providing Medicare Supplement (Medigap) plans, Medicare Advantage, Prescription Drug Plans and Special Needs plans in Kentucky & Indiana. Contact me to request competitive plan quotes, tailored to your specific needs.
No cost or obligation for my services, ever.
Q&A with Stephanie Coulter
I lost my Medicare Card. What do I do?
Answer: If you lose your Mrdicare card there are three ways to replace it:
1) Online (Fastest): Log in or create a secure account at Medicare.gov to print an official copy or order a replacement card.
2) Call Social Security and order one via your Social Security Account.
3) In Person: Visit your local Social Security office and bring a valid ID, like a driver's license.
Important to note: While you wait for your new card, providers can verify your coverage electronically using your Social Security number or Medicare number.
If you are enrolled in a Medicare Advantage Plan (e.g., HMO or PPO), call your specific plan provider directly to get a replacement card.
If your card was stolen: Treat your Medicare number like a credit card number to prevent fraud. Report any unauthorized charges on your Medicare Summary Notices by calling 1-800-MEDICARE.
Does Medicare cover Alzheimer's disease treatment?
Answer: In short, yes. Medicare focuses on medical treatment and diagnostic support of Alzheimer's disease. It does not provide daily living assistance ultimately required in advanced stages of the disease.
In brief, Medicare Part B will cover:
• Cognitive Assessments: Included in an "Annual Wellness Visit" to track memory loss.
• Specialist Visits: Covers appointments with neurologists and geriatricians.
• Diagnostic Imaging: Covers MRI, CT, and certain PET scans (used to confirm a diagnosis).
• Care Planning: A dedicated visit to create a roadmap for treatment and support.
• Mental Health: Psychotherapy and counseling for the patient.
Medicare Part D (Prescription Drugs)
• Symptom Management: Covers standard drugs used to treat Alzheimer's disease
• Disease-Modifying Drugs: Covers newer infusion drug therapies if the prescribing doctor participates in a registry to track outcomes.
• 2026 Benefit: Total drug costs will be capped at $2,100 for the year.
Facility & Home Care (Part A & B)
• Home Health: Covers medically necessary part-time skilled nursing or physical therapy if the patient is "homebound". It is important to remember, Medicare does not cover 24/7 care, it does not cover custodial care (e.g. activities of daily living, bathing, dressing, eating).
• Skilled Nursing: Covers up to 100 days of rehab in a facility following a 3-day hospital stay.
• Durable Medical Equipment: Pays 80% for hospital beds, walkers, and wheelchairs used at home.
• Hospice: Fully covers end-of-life care, including pain management and grief support.
What are the reasons why I should work with a Medicare agent?
Answer: Working with an independent Medicare insurance agent can provide you many advantages. An independent agent is not tied directly to the insurance companies and can present a variety of plans to compare and choose from. Enrolling in a plan through an agent allows them to work with the insurance company on your behalf to resolve any issues that might arise throughout the year. A good agent will be in your corner, looking out for your best interests and available when you need support.
An independent agent will bring added value to your healthcare plan decisions, including:
• No Cost for Agent Services: You’ll pay exactly the same rate for your insurance plan if you enroll through an agent. Medicare insurance agents are paid by the insurance companies they represent. The client pays exactly the same rate for their Medicare plan, regardless if they use an insurance agent. There should never be an extra fee or cost for enrolling through an agent.
• Knowledge of Local Providers and Plans: a local, independent agent, will have a good understanding of the insurance companies, healthcare providers & networks in the area and can help you find coverage that include your preferred doctors and hospitals.
• Personalized Service: A good agent is interested in building long term relationships with clients in their area. They will take the time to get to know you and understand your individual healthcare needs in order to help you find the right health plan for your lifestyle.
• Annual Plan Review: If you have a Medicare Advantage or Part D prescription drug plan with a Supplement (Medigap) plan you will need to review your plan annually, in the October – December timeframe, to ensure your plan is still a good fit in the new year. A review of the plan network, costs & coverage changes, as well as anticipated healthcare needs are just a few things an agent will review with you each year to determine your coverage needs are met.