Stephanie Snakovsky, Medicare Insurance Agent
Stephanie Snakovsky
Medicare Agent Licensed in OH, FL, IN, MI, NJ, NV and TN
18+ Years of Experience
Contact Details
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Location
Columbia Station, OH
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Phone
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Website
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LinkedIn
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Facebook
Stephanie Can Help With:
About Me
Over 30 years experience in insurance. Personalized consultations. No upfront cost or obligation. Navigate provider network and medications to narrow options.
Q&A with Stephanie Snakovsky
Can Medicare drop me for health reasons?
Answer: No, they can drop you for lack of payment. Thus, I would make sure automatic payment is set up. For example, if enrolled in a supplement, payment and grace period is missed - this means a new application with medical underwriting is required. This can result in a significant change in the premium.
What are the pros and cons of Medicare Supplement Plan G VS Medicare Supplement Plan N?
Answer: The pros of Plan G is you only have a deductible due. The con is the premiums may be a little higher. The pros of Plan N is the premium may be slightly lower than Plan G. The con is the out-of-pocket includes the deductible along with up to a $20 office visit copay and a $50 ER copay. There could also be a 15% balance billing if a doctor that does not "accept" Medicare is seen depending on your respective state. The doctors that accept Medicare can be found on Medicare.gov for the respective zip code.
Am I responsible for an IRMAA surcharge?
Answer: This depends on your respective circumstances. If you have retired and no longer have the reported income from two years ago as a result of employment changes, this can be appealed.
There is form SSA-44 to complete. However, if there was income generated from the sale of a home or an inheritance - then the IRMAA surcharge is applicable.
How can I find new doctors in my network?
Answer: The Medicare Advantage plans have websites for each of the respective product offerings to review the networks. The networks will vary by Medicare Advantage carrier and Medicare Advantage products. A supplement does not have a network but the Medicare.gov site allows you to check for doctors that will "accept" Medicare patients.
How can my Medicare plan still meet my needs if my health changes?
Answer: Every year beginning in October, Open Enrollment will allow you to review your Medicare Advantage and Prescription Drug plans. A supplement will automatically renew at your renewal by the respective carrier and can be reviewed at anytime during the year. It does not have to wait to be reviewed at open enrollment.
When is the best time of the year to start looking at Medicare options?
Answer: The best time to look at Medicare options is 6 months to a year before the anticipated retirement or need date. This will give you time to educate yourself on options and budgeting needs.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: A good Medicare agent will take your personal preferences, financial situation and health conditions into account and recommend a plan tailored to your needs. A local agent will be available for your questions throughout the year and long-term amid the life changes. It is a relationship not a one-time sale.