Steve Thurmond, Medicare Insurance Agent
Steve Thurmond
Forward Financial, LLC
Medicare Agent Licensed in TN, AK, AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, NE, NM, NV, NY, OH, OK, OR, PA, SC, TX, VA, WA, WI and WV
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Chattanooga, TN
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Your source for all things insurance and finance: Medicare, Life, Health, Home/Auto and Retirement/Income Planning. Give us a call!
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Q&A with Steve Thurmond
What do you like most about being a Medicare agent?
Answer: Being able to help family, friends, colleagues and clients navigate the mess that the Medicare Insurance industry has become, so that they can make informed and educated decisions that can impact them for the rest of their lives.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: PPO = Preferred Provider Organization
Generally speaking; a PPO Medicare Advantage Plan has more flexibility when it comes to where the plan is accepted. Typically, PPO Medicare Advantage Plans will be accepted wherever Original Medicare is accepted, however it is ultimately up to the provider (Doctor, Hospital, etc...) as to whether or not they will accept your PPO Medicare Advantage Plan.
Keep in mind, there is STILL a network associated with PPO Medicare Advantage Plans, you just have the option of receiving services OUTSIDE of the PPO Medicare Advantage Plan's PPO network, but remember, you'll also pay a higher price for services rendered OUTSIDE of the PPO Medicare Advantage Plan's network of providers.
conversely...
HMO= Health Maintenance Organization
Unlike a PPO Medicare Advantage Plan; HMO Medicare Advantage Plans are closed-network plans that do not give the plan holder the flexibility to receive care/services outside of the HMO Medicare Advantage Plan's network of providers. If you choose to receive care outside of your HMO Medicare Advantage Plan's network of providers, you will be on the hook for all costs for any services rendered. HMO Medicare Advantage Plans are truly 'Managed Care Plans'.