Steve Dorey, Medicare Insurance Agent
Steve Dorey
Medicare Agent Licensed in FL, AL, GA, KS, MD, ME, MN, OH, SC, TN, TX, VA and WI
Contact Details
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Location
North Fort Myers, FL
Steve Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello! I'm Steve Dorey, a Medicare insurance agent working with our family agency, the Dorey Insurance Group. We have a combined experience of over 2 decades serving those who are confused and frustrated with understanding the Medicare system. I would love to help you make a solid decision about your Medicare insurance, giving attention to your specific health needs and making it all fit your budget. We'll compare the leading healthcare carrier to determine what is the strongest plan for you. My help is free of 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!
Directions to My Office
Q&A with Steve Dorey
What is the best MAPD plan in South Carolina?
Answer: This is a very difficult (if not impossible) question to answer. As an agent I would need to know where you live, for which medical conditions you need support, what medications you take and what are items typically found in Medicare Advantage plans that are of interest and importance to you. There are several strong carriers represented in NC but these plans have a great deal of variance between them for the reasons that I just mentioned. You need to let your agent find the plan that matches your needs.
What do you enjoy most about working with Medicare clients?
Answer: Medicare has a reputation of being convoluted and difficult to understand. I love being able to break Medicare down in simple terms so that seniors can make an informed and smart decision for their healthcare. It is very gratifying when someone says, thanks for making that so easy to understand.
Are Medicare Supplement plans the same thing as "Medicare Secondary Insurance"?
Answer: Medicare Secondary Insurance refers to Medicare as the Secondary payer and another policy being the first or primary payer. The primary payer (for example ... employer insurance whether actively working or retired) would pay out its' benefit first and then Medicare would pick up the remaining expense depending on the care being provided.
Medical or Medicare Supplement plans are different in that they are secondary payers and Medicare is in the primary position.
My Medicare Advantage plan denied coverage for a specialist I need to see. What are my options now?
Answer: This timely question represents a common frustration for many seniors - denial of services for what should be covered expenses. When your insurance company answers with denial you need to respond with an appeal. Make the insurance company tell you why you are being denied and ask then to justify to you why the needed services that you requested and which your doctor says are necessary are not being covered. Have your doctor write a support letter to your appeal. Most doctors have such letters on file that can be quickly edited for your needs.
Why not just call the insurance carrier directly?
Answer: If you have done your research and know which plan is best for you and your situation then calling the insurance carrier might work out for you. But there is value in having a knowledgable agent who represents multiple carriers, and who has reviewed many plans and can see differences and value of which you may not be aware.
I thought I signed up for both Part A and B when I got my Social Security, but now I'm getting bills for Part B. Did I miss something during the enrollment period?
Answer: Most people will automatically receive their Medicare Part A when they turn 65 and some people will opt to take their Part B at the same time or wait until they retire, particularly if they are still receiving healthcare benefits from an employer. Like you, some will start their Medicare benefits and their Social Security benefits all at the same time. What you may have missed is that Part B comes with a premium that you have to pay. For most people it is $202.90 monthly and for those individuals who made more than $109,000 they will have to pay a larger premium. Some people also opt to have their Part B premium deducted from their social security payment each month and others will choose to have it deducted from their bank account or receive a bill in the mail.
Are some Medicare Advantage providers better than others?
Answer: Medicare Advantage carriers have a great deal of latitude in designing their plans. Not all plans are the same. Some sacrifice true medical benefits while offering benefits like Part B premium givebacks and over-the-counter. Others offer higher dental and medical benefits but cut short on the "frosting and sprinkles". What is it that you need your Medicare Advantage plan to do for you and then have your agent find a plan that matches your need.