Shane and Tammy Carpenter, Medicare Insurance Broker
Shane and Tammy Carpenter
Your Choice Insurance Advisors
Medicare Broker Licensed in AR, FL, GA, KS, OH, OK, TN and TX
Contact Details
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Location
Claremore, OK
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Phone
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About Me
Hello!
We are Shane and Tammy Carpenter, licensed Medicare insurance brokers dedicated to serving our community.
We love working together helping our clients find the plans that are most suited to their personal situations. It is definitely not a "one size fits all" situation when choosing what is right for you. Medicare is our area of expertise, and we will thoroughly evaluate you circumstances and make sure you understand how Medicare works. We offer Medicare Supplement Plans, Prescription Drug Plans and Medicare Advantage Plans and are astutely familiar with all of your choices on a local level. We are also brokers and not just agents. This means that we work for you and not just a particular health insurance provider or call center that is just looking for volume of clients but have no follow-up support.
Reach out to us today to discuss your Medicare insurance possibilities, and remember to mention you found me here on Medicare Agents Hub!
Directions to My Office
My Google Reviews
13 Total Reviews (5.0)
December 8, 2024
Shane and Tammy at Your Choice Insurance Advisors are the best! Their experience shines through. They explain things clearly and really understand all that’s available so that we could make a great decision together.
November 24, 2024
Tammy was so helpful. So glad we chose her help. Highly recommend her service to anyone who is not sure on their Medicare insurance. She helped us save $400 a month in supplemental coverage
June 24, 2024
I highly recommend Shane and Tammy. They are honest, reliable and very accommodating. They will even come to your house. I love that they are local, personable and ready to help. I could go on and on. Definitely call these guys for your health insurance needs.
June 18, 2024
We recently went to talk with Shane and Tammy Carpenter with Your Choice Insurance advisors. They did a great job explaining the Medicare Supplemental insurance to me and helped me make an educated decision on which plan will fit my needs. They are very friendly and return calls or texts with questions.
June 5, 2024
Shane made one call to a local Dentist that I was having a lot of difficulty with and the problem was solved. This is the guy to go to for health insurance. Great job Shane thank you
Q&A with Shane and Tammy Carpenter
What do you enjoy most about working with Medicare clients?
Answer: We love working with Medicare clients because we feel less like insurance agents and more like problem-solvers. When we can help simplify a complicated experience and find a plan combination that works best for them after considering all of the options, we feel immense satisfaction and build great relationships with our clients, which is an extra bonus!
What is one of the the most common misconceptions people have about Medicare?
Answer: That it is "one size fits all." So many untruths are spread around without an actual understanding of the Medicare environment, such as "Never get a Medicare Advantage Plan" or "All Supplement/Medigap Plans are expensive." These statements are simply untrue and blanket statements can create a lot of stress and poor choices that can burden down so many without fully understanding the true reality of the situation. In addition, the "Never get a Medicare Advantage Plan" comments are often stated categorically by those that only hold life insurance licenses and not both health and life insurance licenses. Bottom line, they are unable to offer Medicare Advantage plans and therefore are pushing Supplement/Medigap plans. It is definitely a case by case evaluation of what is the appropriate choice when it comes to all of the options out there. This is why we encourage Medicare beneficiaries to only consult with those that are licensed in both health and life insurance. It costs nothing to use a broker's services, so it makes sense to have a good sit-down to understand ALL of your options.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Local, in-person brokers are not "fly by night" call center agents that you will never be able to access after the enrollment. We are here for the follow-ups, questions and support that is often needed. We also, provide ongoing re-evaluation of your plans annually to ensure that you are continuing on with the plans that best meet your needs. Finally, we are LOCAL. This means that we are the most familiar with the plans that are offered in the area and are better equipped to find a plan that is more tailored to your needs.
What is the biggest disadvantage of Medicare Advantage?
Answer: The biggest disadvantage of Medicare Advantage is that you are often working within a network. This means that a doctor or medical institution could leave or join a plan throughout the year. Medicare Advantage plans that offer a PPO or Preferred Provider Organizations option offer more flexibility to see doctors or go to providers outside of the network for a higher cost or copay.
What demographic challenges will Medicare face in the coming years?
Answer: There are many aging into Medicare in the upcoming years and administration changes are still unknown. Having a professional guide you through these changes will be essential.
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: This really depends. Will you be switching within the same company? Which company is it? Otherwise, you generally must answer health questions when switching between plans.
How does the Part D “catastrophic coverage” phase work once I hit the out-of-pocket max?
Answer: If you have met the "catastrophic coverage" phase, you will have no further responsibility towards drugs covered in your plan's formulary. However, if you are on medications not covered by your Part D prescription drug plan, you will still be responsible to pay those costs.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: Simply put, it is not a "one size fits all" answer. For some, Original Medicare with a Supplement with/without a Prescription Drug plan is better and for others a Medicare Advantage Plan is better. Why do I say this? There are many factors to consider such as budget, flexibility, willingness to work with networks or not, health circumstances and more. Only when properly evaluating these circumstances can Original Medicare or Medicare Advantage plan be determined as the better choice.